Hire an AI project debt reserve payment checker

Everything it can hand back

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

• A reserve rollforward: requirement, approved draws, top-up need and closing balance
• A payment waterfall: cash paid to senior debt, the reserve and junior debt, in your loan's order
• A tie between the reserve deposit in the waterfall and the rollforward, with any difference recorded
• A list of every service or reserve amount that stays unpaid
• Every MISSING input and any check that could not run

How it does the job well

• Start from the user problem and the evidence for it, then the solution.
• Write decisions down with the reason and the options you rejected.
• Keep scope small enough to ship and learn. Name what is out of scope.
• Define how success will be measured before building.

Mistakes it avoids

• Treating opinions or one loud request as proven demand.
• Specs that skip edge cases, error states or dependencies.
• Roadmaps with dates but no owners or confidence levels.

What a good result looks like

An example, not your task: A lender asks why the reserve account was topped up by one amount while the cash waterfall shows another.

• outputs/step-1-debt-reserve-rollforward-builder.md. The reserve requirement, approved draws, top-up need and closing balance.
• outputs/step-2-project-payment-waterfall-builder.md. Cash paid to senior debt, the reserve and junior debt, with every unpaid amount.
• Reserve tie. The waterfall reserve deposit against the rollforward, and the reason for any difference.
• HAND-BACK SUMMARY. Files saved, sources used, MISSING lines and checks missed.

How the work is checked

• The reserve top-up appears once. The opening reserve stays separate from the top-up.
• The reserve rolls: opening reserve, plus the deposit, less approved draws and any release, equals the closing reserve.
• Requirement, approved draws and top-up need all come from the same debt schedule.
• The preliminary funding is reconciled to the reserve deposit in the waterfall. Any difference is recorded with its reason, never plugged.
• 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

• Debt reserve rollforward builder. Works out the reserve requirement, approved draws and top-up need from one debt schedule. Limits preliminary funding to cash left after senior service. Hands step 2 the requirement, the need and the opening reserve, kept separate. Check before moving on, the top-up appears once.
• Project payment waterfall builder. Runs the same operating cash through senior service, the reserve and junior service in your order. Ties the reserve deposit to the rollforward. If they differ, it lists the mismatched line and both amounts, names the source to re-pull and records why. Check before you rely on it, every unpaid amount is shown.

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 reconcile-project-reserves-and-payment-priority 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/reconcile-project-reserves-and-payment-priority/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

• Actual project cash after operations for one period (from the project bank and operating statements)
• The senior and junior debt service schedule, with due dates (from the loan agreement or lender schedule)
• Approved reserve draws and the reserve balance (from the reserve account statement)
• The months of debt service the reserve must cover, and a sourced limit on the cash left after senior debt service that can go into the reserve (from the loan agreement and your cash forecast)
• The next-service requirement and the contract payment order (from the loan agreement)
• The reporting date, currency and scale, such as thousands

Helpful context (optional)

• The lender's own debt service schedule, not a model of it.
• The loan agreement wording on payment order and reserve requirement.
• The reserve account statement for the same date.

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.
• Claude, ChatGPT or Gemini: Any of them can do these sums in a chat and show each step.
• 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.
• Claude, ChatGPT or Gemini: It does the arithmetic and shows each line, so you can check it against the agreement.
• A spreadsheet app and an AI that can make files: Builds, recalculates and reopens the workbook version of the waterfall.
• Node.js 20 or later (optional): Runs the small calculator in the pack on your own figures.

Functions and deliverables

• Project debt reserve payment checker: Share project cash, debt schedules and payment rules. Get a reserve balance check, ordered payment split and unfunded obligations.
  • A reserve rollforward: requirement, approved draws, top-up need and closing balance
  • A payment waterfall: cash paid to senior debt, the reserve and junior debt, in your loan's order
  • A tie between the reserve deposit in the waterfall and the rollforward, with any difference recorded
  • A list of every service or reserve amount that stays unpaid
  • Every MISSING input and any check that could not run
• Debt payment reserve checker: Share reserve balances and loan terms. Check required funding, permitted draws and any reserve shortfall.
  • The reserve balance the loan requires
  • The draw applied, capped at what the account holds
  • The top-up deposit, limited to the cash you can put in
  • Any excess that could be released, shown as a scenario only
  • The ending reserve balance and any gap left unfunded
  • A list of missing facts and checks that could not run
  • A small workbook with the same sums, if your AI can make files
• Project payment priority planner: Share project cash and payment rules. Get payments in priority order with unpaid amounts shown.
  • What each tier receives, in the order of the agreement
  • Every unpaid amount, tier by tier, even where lower tiers receive nothing
  • The reserve top-up funded and any shortfall
  • The cash left after all tiers, labelled as a modelled figure and not an approved payout
  • A check that payments plus cash left equal the cash you started with
  • A list of every input marked MISSING and every check that could not run
  • A workbook version of the same lines, if your AI can make files
• Project availability payment deduction checker: Share certified project payments, approved charges and the contract cap. Get capped deductions, exceptions and the cash left after stated costs.
  • The deduction actually applied, after the cap
  • Any deduction above the cap, shown as an exception
  • The net payment after deductions and other approved charges
  • The operating cash left after operating costs
  • A list of missing facts and checks it could not run
  • A small workbook with the same sums, if your AI can make files
• Product context file writer: Share product facts, audience and positioning. Get a reviewed context file that other marketing skills can reference.
  • A product marketing context file
  • A summary of what the file already holds
  • A change log of updates
  • Gaps you still need to fill
  Source: Corey Haines.

Tasks you can use it for

• A lender asks why the reserve account was topped up by one amount while the cash waterfall shows another.
• You are about to pay junior debt and need proof the reserve was funded first.
• A reserve draw was approved and you need to restate what is still unfilled.
• A reviewer wants every payment traced back to the loan's payment order.

Limits to check before starting

• You only need the reserve top-up. Use the Debt payment reserve checker on its own.
• You only need to split one period's cash in loan order. Use the Project payment priority planner on its own.
• You want a debt coverage test against loan covenants. Use the Debt service coverage checker workflow.
• You want a loan repayment schedule over several years. Use the Project debt repayment modeler 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. For a workbook, use one that can build spreadsheets.
• Attach the debt schedule, reserve statement and the payment order from the loan. Say the reporting date, currency and scale once at the top.
• After step 1, check the reserve requirement and top-up against the loan terms. The top-up should appear once.
• After step 2, check the reserve deposit matches step 1. If it does not, read the recorded reason before you accept it.
• Fill every MISSING line before anyone acts on a figure. Nothing here pays anyone. A person who knows the loan signs off.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/reconcile-project-reserves-and-payment-priority 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.