Hire an AI credit line rate-change and fee checker

Everything it can hand back

Your task sets the actual outputs. The specialist picks the methods that cover them.

• The extra interest on each floating loan
• Interest and unused-line fee at the base rate and at the new rate
• The change in cost, on the statement's own period
• The gap between your figure and the lender's bill, with a likely cause
• Floors, caps and reset-day gaps, listed as not covered
• Missing facts, and checks that could not run

How it does the job well

• Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.
• Show the calculation, inputs and period for every figure.
• Label actuals, estimates and forecasts clearly.
• Send tax, legal and regulatory questions to a qualified professional.

Mistakes it avoids

• Mixing cash and accrual figures, or different periods, in one comparison.
• Rounding or formula errors that do not tie back to totals.
• Giving personal investment advice.

What a good result looks like

An example, not your task: Rates moved and finance needs the cost on the revolver, not a rough guess.

• 1 REPRICING LADDER. One row per loan with its floating balance, extra rate, share of the year and extra interest.
• 2 REVOLVER CHARGES. Interest and unused-line fee at the base and new rate, and the change in cost.
• AGAINST THE BILL. The billed amount, the difference and its likely cause, or a note that it is unexplained.
• NOT COVERED. Each rate floor, cap or reset-day gap the figures leave out.
• SOURCES, MISSING and CHECKS MISSED. Where each figure came from, each gap and the line it stops, and checks that could not run.

How the work is checked

• Annual affected fractions are mapped to the actual statement window; incremental interest is not added twice to recomputed charges.
• Trace each material input to its source, date, currency, scale, sign and reporting period. Retain unresolved MISSING: lines.
• Keep hardcoded inputs separate from live formulas. Inspect changed inputs, actual recalculation, exported formulas and saved-file reopening.
• Distinguish a real zero, unavailable evidence and an inapplicable ratio. Never force a financial statement tie with an unexplained plug.
• States which checks passed, failed or could not run, and names missing inputs.

These checks have not been run against a model yet. Your AI uses them to check its own work.

Capabilities

• Floating rate repricing planner. Works out the extra interest on each floating loan as balance times extra rate times share of year. Keeps the annual and statement-period bases apart. Hands step 2 the changed rate for each facility, not an annual dollar total.
• Revolver interest and fee checker. Rebuilds the statement's interest and unused-line fee on actual average balances, at the base rate and at the new rate. Compares them with step 1 and with the bill. Floors, caps and reset-day gaps stay listed as missing coverage.

How the role works

1. Checks your task, context and available tools.
2. Picks the methods needed and prepares a work plan.
3. Carries out supported tasks, with each method's limits and review gates.
4. Checks the real deliverables and corrects supported faults.
5. Hands back files, evidence and unresolved gaps.

Your specialist's working setup

Download the base specialist without a task form or account. README.md and SETUP.md explain how to use the folder. SOUL.md defines its scope. INTAKE.md asks missing questions inside your AI. PLAYBOOK.md, SKILLS.md, BEST_PRACTICES.md, CHECKS.md and HANDOFF.md guide the work and its checked deliverables.

Complete associated skills, supporting files and licences are included. Choose only the methods needed for the actual task. Keep context, working files and accepted feedback in your AI project.

Use this specialist through MCP or the API

Call prepare_specialist with role_id bridge-floating-rate-changes-to-revolver-cost only. No task is required to load it. Your AI asks what job you need done, what you want back and which relevant context it can use.

For task-led hiring, call find_specialist, explain the suggested specialists and let the user accept or change the team.

Complete ZIP: Download base specialist. API: GET /api/v1/specialists/bridge-floating-rate-changes-to-revolver-cost/pack. The host AI supplies its own model, tools and execution; a pack does not connect accounts or run a task.

Inputs and helpful context

The specialist starts from the task brief. Only active methods require their inputs.

For the primary method, when used

• Each floating loan's balance, reset date and day count (from the loan agreement and the lender statement)
• The fixed or hedged part of any loan, with the contract that proves it (optional)
• The base rate and the scenario rate, each with its date
• The average drawn amount and the average unused amount for the billing period (from the lender statement)
• The interest rate and unused-line fee rate, and the total the lender billed
• The currency and scale, such as USD thousands

Helpful context (optional)

• The loan agreement's wording on the interest rate, the unused-line fee and the day count.
• A dated rate notice for the base rate, not a news headline.
• A named reviewer from treasury.

Tools and access

• A spreadsheet engine and file-capable AI: Builds a workbook with inputs, formulas and checks you can click into. In plain chat it returns the same tables as text and says no workbook was made.
• The lender's statement: It gives the real average balances, fees and billed total, which are facts, not estimates.
• Claude, ChatGPT or Gemini: Any of them can do these sums in a chat.
• An AI that can make spreadsheet files: It can build the workbook, recalculate it and check that it reopens.
• Node.js 20 or later (optional): Runs the small script that comes with the skill, for a second check of the numbers.
• Any good chat AI: The sums are short, so the AI can show them line by line in the chat.
• A file-capable AI or a spreadsheet app: Needed only if you want an editable workbook with a checks tab.
• Node.js 20 or later (optional): Runs the bundled script that repeats the sums, as a second check.

Functions and deliverables

• Credit line rate-change and fee checker: See how a rate change affects your credit line. Check the interest and fees for the dates on your statement.
  • The extra interest on each floating loan
  • Interest and unused-line fee at the base rate and at the new rate
  • The change in cost, on the statement's own period
  • The gap between your figure and the lender's bill, with a likely cause
  • Floors, caps and reset-day gaps, listed as not covered
  • Missing facts, and checks that could not run
• Variable loan interest planner: Share loan balances, reset dates and rate scenarios. See the change in interest costs by loan.
  • A repricing ladder with one row per loan
  • The extra interest on each loan and in total
  • Your new total interest, base interest plus the extra
  • A check that the loan rows add up to the total
  • A list of missing facts and checks it could not run
  • A small workbook with the same sums, if your AI can make files
• Revolving loan interest and fee checker: Share average loan use, unused capacity and rates. Check interest, commitment fees and total charges.
  • Interest on the drawn amount, with the sum shown
  • The commitment fee on the unused amount, with the sum shown
  • The total charge: interest plus commitment fee plus other fees
  • The difference from the lender's bill, with a likely cause or a note that it is unexplained
  • A list of figures you did not give and checks that could not run
• Bank service fee checker: Share bank prices, monthly service counts, credits and the bill. Get expected fees, unused credit and any billing difference.
  • The gross charge for each service line
  • The credit applied and any credit left unused
  • The expected charge and the gap to the bill
  • Questions to ask the bank about each gap
  • An editable workbook and a list of checks that did not run
• me.md builder: Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.
  • One me.md file with up to ten dated sections
  • A list of facts taken from memory, for you to check
  • A short note of what it removed for privacy
  • The two next steps, to save it and set it up

Tasks you can use it for

• Rates moved and finance needs the cost on the revolver, not a rough guess.
• A lender statement came in above or below budget and you want to know if a reset explains it.
• A reset date falls part-way through a billing period.
• A board or bank asks what a 1% rise does to interest and the unused-line fee.

Limits to check before starting

• Your loan has a rate floor, a rate cap or a reset on a set day. This does not model them. It lists each one as a gap.
• You only want the extra interest per loan, with no tie to a bill. Use the Variable loan interest planner.
• You only want to check one billing period against a lender's bill. Use the Revolving loan interest and fee checker.
• You want to know how much you can still borrow against receivables and stock. Use the Asset-backed credit line checker workflow.

Best way to use this role

Give it one clear outcome, the actual files and a definition of done. Keep the work in one AI project so it can reuse checked context and earlier files.

• Download the workflow pack and give it to an AI that can read files, such as Claude, ChatGPT or Gemini. Use one that can make spreadsheets if you want a workbook.
• Attach the loan agreement or rate notice, the latest lender statement and your base interest budget. Paste the scenario rate and its date. Say which loans are fixed or hedged.
• After step 1, check that each loan row shows its floating balance, extra rate and share of the year, and that the rows add up to the total change.
• After step 2, check that the period, day count and year basis (360 or 365) match the statement. Read the gap against the bill and its stated cause.
• Fill every MISSING line before anyone budgets from the result. Nothing here pays, sends or files anything. A person who knows the agreement checks it before anyone acts.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/bridge-floating-rate-changes-to-revolver-cost for its role instructions and pinned sources.

This is a prepared AI role. No task has run. Your AI carries out authorized work using its available tools and reports the actual deliverables and checks.