Hire an AI debt funding and credit limit reviewer

Everything it can hand back

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

• A funding ladder with cash left after each repayment, the shortfall at each due date and the lowest point
• A credit limit check with drawn plus counted undrawn credit against the limit, and the headroom or excess
• A list of what changed since the last review, source by source
• A revolving loan cost line, only when a confirmed refinancing changes its interest or fees
• A short record to start the next review, plus MISSING lines and any 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 lender confirms a refinancing and you want to know which repayments it now covers.

• Changed since last review. Each source that moved, with the old and the new value. On a first run it says so and sets a baseline.
• outputs/step-1-debt-maturity-funding-ladder.md. Cash left after each repayment across three due dates, the shortfall at each, and the lowest point. Unsigned borrowing is an open option.
• outputs/step-2-credit-exposure-limit-checker.md. Drawn credit plus the counted share of undrawn credit and other linked exposure, against the approved limit, with headroom or excess.
• Revolver interest and fee line. The period interest and commitment fee on a revolving loan, from verified average balances. It appears only when a confirmed refinancing changed its cost.
• Record for the next review. Facility IDs, due dates, confirmed funding, the limit version, bucket balances and open financing costs, saved to reviews/maturity-funding-evidence-reviewer/state.json or printed for you to keep.
• MISSING lines and CHECKS MISSED. Every gap and the line it stops, then the checks that failed or could not run, or the word none.

How the work is checked

• Only confirmed proceeds fund a maturity. A proposed or unsigned refinancing is shown as an open option, not as cash.
• At each due date, opening cash plus cash after operations plus confirmed refinancing minus the repayment equals closing cash. No proceeds amount is used twice.
• When the revolver branch ran, interest and fees come from average balances, not end balances.
• Trace each material input to its source, date, currency, scale, sign and reporting period. Keep unresolved MISSING: lines.
• 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

• Compares with the last review. Reads the saved record if it belongs to this debt and cash set, or sets a first baseline. It compares facility IDs, due dates, confirmed funding, the limit version and the source dates. If nothing changed and no review is due, it says so and stops.
• Builds the funding ladder. Runs the Debt maturity funding ladder step of the governing workflow. It rolls usable cash, cash after operations and confirmed refinancing through each due date, never reusing the same proceeds. It shows every closing balance and the lowest point, and keeps unsigned borrowing as an open option.
• Checks the credit limit. Runs the Credit exposure limit checker step. It adds drawn amounts, the approved share of undrawn credit and other linked exposure, counting each facility once. It compares the total with the dated limit and shows the signed headroom. Unused limit is never added to the ladder.
• Costs a revolving loan only if needed. If a confirmed refinancing changes a revolving loan's interest or commitment fee, it runs the Revolver interest and fee checker on verified average balances. Only cash costs it can support go into the affected future period. Otherwise it skips this step and says so.
• Checks and saves. Tests the result against the acceptance rules, retries the affected calculation at most twice, then writes the dated files, the reason each step ran or was skipped, and the proposed new record. The old record is kept.

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 maturity-funding-evidence-reviewer 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/maturity-funding-evidence-reviewer/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 loan's due date and repayment amount (from your loan agreements or debt schedule)
• The cash you can reach now, and the cash you expect after operations by each due date (from bank balances and your cash forecast)
• Refinancing your lender has confirmed in writing, with amounts and dates (from the lender's notice or signed terms)
• Drawn and undrawn amounts on each linked facility, and the approved credit limit with its date (from facility statements and the limit letter)
• Your reporting currency, the units you use (such as thousands) and the review date
• The last review's record and the earlier versions of your sources (optional, but needed to show what changed)
• Average drawn and undrawn balances, rates and fees for a revolving loan (optional, only if a confirmed refinancing changes its cost)

Helpful context (optional)

• A debt schedule with facility IDs and due dates.
• The limit letter that shows who approved the limit, and when.
• A named person who owns funding decisions and will check the dates, the amounts and the limit.

Tools and access

• A spreadsheet engine and file-capable AI: Builds and reopens the ladder workbook, and saves the record file for next time. In plain chat it returns the same tables as text.
• Your lender's confirmation notices: A written notice is what turns a refinancing from a hope into cash the ladder may use.
• A chat AI with a spreadsheet tool: It can build the ladder and reopen the workbook. In plain chat you get the tables as text.
• 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

• Debt funding and credit limit reviewer: Match debt due dates with confirmed funding. See cash gaps and credit limit issues without treating unused limits as cash.
  • A funding ladder with cash left after each repayment, the shortfall at each due date and the lowest point
  • A credit limit check with drawn plus counted undrawn credit against the limit, and the headroom or excess
  • A list of what changed since the last review, source by source
  • A revolving loan cost line, only when a confirmed refinancing changes its interest or fees
  • A short record to start the next review, plus MISSING lines and any checks that could not run
• Debt maturity funding checker: Share debt dates, usable cash, confirmed loans and credit limits. Get a funding schedule, shortfalls and exposure checks.
  • A maturity ladder with the cash, funding and running shortfall at each date
  • Any maturity left with no confirmed funding
  • A connected exposure bridge, with the total against your limit and the gap or room
  • A note on any refinancing from the same party that also counts as exposure
  • A list of what is MISSING and which checks were missed
• 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
• Debt repayment funding planner: Share debt due dates, cash and confirmed funding. Get a repayment schedule with funding gaps shown.
  • Closing cash after each of the three maturities
  • The largest gap below your minimum cash, or a note that there is none
  • A ladder that shows each step: opening cash, cash added, refinancing, repayment, closing cash
  • Any refinancing that is only a proposal, listed as an open option and not counted
  • A list of missing facts and checks that 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

Tasks you can use it for

• A lender confirms a refinancing and you want to know which repayments it now covers.
• A loan due date moves, or a new repayment falls due before the last one is paid.
• You hold several facilities with one lender or group and need the total against an approved limit.
• You review funding each quarter and want to see only what changed since last time.

Limits to check before starting

• You want to know if a lender will approve a loan or a refinancing. This reviews evidence you already hold. It does not predict an approval or contact a lender.
• Your worry is a foreign currency bill with a forward contract. Use the Currency forward contract coverage reviewer.
• You want to test a loan covenant, such as cash cover in each period. Use the Loan covenant cash cover reviewer.
• You only need the interest and commitment fee on one revolving loan. Use the Revolving loan interest and fee checker.

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.

• Add this agent to Claude, ChatGPT or Gemini, with the two pieces it uses. They are the Review maturity funding and credit limits workflow and the Revolver interest and fee checker skill. An AI that reads files works best. In plain chat it still works, but it cannot save files, so you keep the record it gives back.
• Say if this is the first run. If not, paste last time's record. Then attach your debt schedule, cash balances and forecast, the lender's refinancing notice and the limit letter.
• If you have more than three due dates, tell the AI how to group them. The ladder uses three dated buckets. Check that no maturity was dropped.
• Check the ladder before you read the limit check. Confirmed refinancing should appear once. Any unsigned borrowing should show as an open option, not as cash.
• Fix every MISSING line and run it again. Run it whenever a due date, a lender notice or a cash source changes. Adding it sets up no schedule.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/maturity-funding-evidence-reviewer 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.