Hire an AI energy contract debt coverage modeler

Everything it can hand back

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

• Operating cash for each year and the three-year total
• Cash available for debt service for each year, with each cost taken off once
• Loan life cover and the cushion over the loan, in currency
• Downside cases on separate lines, if you give them
• The accounting basis used, 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: A plant sells all its delivered energy at one contract price, and the lender wants a loan life cover figure.

• OPERATING CASH. Cash for each of the three years from accepted MWh, price, variable cost and fixed cash.
• CASH FOR DEBT SERVICE. Each year's cash under the lender's definition, the basis used, and what was left out.
• LOAN LIFE COVER. Discounted qualifying cash divided by the opening loan, with the cushion in currency.
• DOWNSIDE. Any lower-generation or lower-price case you gave, shown apart from the base.
• SOURCES, MISSING and CHECKS MISSED. Each input's source and date, each gap, and every check that failed or could not run.

How the work is checked

• Accepted delivery and financing-qualified cash match each year; financing discount rate is contract defined and cash beyond maturity is excluded. Actual receipt/payment sources do not receive a second working-capital deduction; accrual and cash-basis routes are explicitly distinguished.
• Trace each material input to its source, date, currency, scale, sign and reporting period. Retain unresolved MISSING: lines.
• Reconcile opening balances, additions, deductions and closing balances. Match enterprise or equity cash flows to the corresponding discount rate.
• Keep hardcoded inputs separate from live formulas. Inspect changed inputs, actual recalculation, exported formulas and saved-file reopening.
• 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.

A second opinion

Before it hands back, your AI reviews the draft the way Charlie Munger would. This is a way of reviewing the work. It does not mean they wrote or endorse it.

Capabilities

• Contracted energy cash model. Works out cash per MWh as price less variable cost, multiplies by accepted MWh, then takes off fixed cash for each year. Keeps capital, tax, reserves and debt service out. Hands step 2 each year's operating cash and the items left out. Check before moving on: the three-year total ties.
• Project cash available bridge. Converts each year's operating cash to cash available for debt service under the lender's definition. Declares accrual or cash first. Takes the energy model's costs off once only. Hands step 3 one qualifying cash figure per year.
• Loan life cash cover checker. Removes cash beyond loan maturity, discounts each year's qualifying cash at the contract rate, and divides by the opening loan. Shows the cushion in currency. Keeps downside generation or price cases separate from the base.

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 connect-contract-energy-cash-to-loan-life-cover 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/connect-contract-energy-cash-to-loan-life-cover/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

• Delivered and accepted MWh for each of three years (from meter or settlement statements)
• Contract price per MWh, variable cash cost per MWh and fixed cash per year (from the contract and your accounts)
• The lender's definition of cash available for debt service, with taxes, capital spending and working capital (from the financing agreement)
• Whether your operating figures are accrual or actual cash (from your accounts)
• The opening loan balance and the loan life discount rate (from the loan agreement)
• The reporting date, currency and scale, such as USD thousands

Helpful context (optional)

• The signed contract's price clause, not a summary of it.
• The loan agreement's wording on the discount rate and the cover test.
• A named reviewer who knows the financing agreement.

Tools and access

• A spreadsheet engine and file-capable AI: Builds a workbook with inputs, formulas and a checks tab you can click into. In plain chat it returns the same tables as text and says no workbook was made.
• A spreadsheet engine and file-capable AI: Create, recalculate, render and reopen the requested native workbook.
• Node.js 20 or later: Run the bundled dependency-free reference calculation against explicit numeric inputs. Without it, the AI does the sums in chat.
• Node.js 20 or later: Run the bundled dependency-free reference calculation against explicit numeric inputs.
• 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.

Functions and deliverables

• Energy contract debt coverage modeler: Work out cash from an energy contract. Apply the loan's cash rules and check cover through the end of the loan.
  • Operating cash for each year and the three-year total
  • Cash available for debt service for each year, with each cost taken off once
  • Loan life cover and the cushion over the loan, in currency
  • Downside cases on separate lines, if you give them
  • The accounting basis used, and checks that could not run
• Energy contract cash modeler: Share accepted energy volumes, contract prices and costs. Get a three-year view of operating cash.
  • Operating cash for each of the three years, and the three-year total
  • Cash left per MWh (price less variable cost)
  • A table of every input with its source, date and currency
  • A check that each year ties back to your inputs
  • A list of anything missing, and which results it blocked
• Project cash for debt checker: Share project revenue, costs and financing definitions. Check cash available for debt payments without counting cash changes twice.
  • An editable workbook with the cash available bridge, built on your stated basis.
  • A source index showing where each input came from and its date.
  • A reconciliation table that ties the bridge to source cash and the contract definition.
  • A list of missing inputs and a CHECKS MISSED list.
• Loan lifetime cash coverage checker: Share three years of qualifying cash and loan terms. Check discounted cash coverage and the cushion over debt.
  • The value today of the cash that can repay the loan
  • The loan life cover ratio
  • The cash cushion above the loan balance, shown as plus or minus
  • A check that no cash after the loan end is counted
  • A list of missing facts and checks it could not run
  • A small workbook with the same sums, if your AI can make files
• 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
• Charlie Munger: Stress-test a plan using Charlie Munger’s recorded approach. Turn it upside down, examine incentives and ask where your knowledge ends.
  • Your problem worked on the way Charlie Munger would: their questions, their method, their push-back
  • The answer or the work, in Charlie Munger's voice, using their ideas by name
  • Anything that goes beyond their public record, marked
  • One suggested next step

Tasks you can use it for

• A plant sells all its delivered energy at one contract price, and the lender wants a loan life cover figure.
• You have three years of meter or settlement statements and need cash the lender will count.
• Operating cost might be taken off twice between your model and the lender's cash definition.
• You are not sure whether your figures are accrual or cash, and need the working capital step to match.

Limits to check before starting

• The plant sells at market prices, not one contract price. Step 1 assumes one price per MWh.
• You want a repayment schedule sized to the cash. Use the Project debt repayment modeler workflow.
• You want cover tested period by period against covenants. Use the Debt service coverage checker workflow.
• You have fewer or more than three years of data. This is built for three annual periods.
• You only want the operating cash. Use the Energy contract cash modeler on its own.

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 your settlement statements, the energy contract's price terms and the financing agreement's cash definition. Say the opening loan, the discount rate and whether your figures are accrual or cash.
• After step 1, check that total cash equals total MWh times cash per MWh, less three years of fixed cash.
• After step 2, check each cost comes off once, the basis is stated, and a cash figure has no second working capital deduction.
• After step 3, check the cash used stops at loan maturity. Fill every MISSING line before anyone relies on it. A person who knows the loan agreement should confirm the definitions.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/connect-contract-energy-cash-to-loan-life-cover 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.