# Draft A Credit Memo From Spreads And Statements With Claude For Excel > Cowork pulls the borrower's filings and spreads through the S&P Capital IQ connector and reads the underwriting workbook from your deal folder. You take the ratios and exceptions into Claude for Excel to update the model, then bring the writeup into Claude for Word for the credit memo. Use for tasks like “Draft a credit memo from spreads and statements with Claude for Excel” and close variants. T… - **Type:** Skill - **Install:** `agentstack add skill-iankiku-agent-skill-factory-draft-a-credit-memo-from-spreads-and-statements-with-claude-for-excel` - **Verified:** Yes — security-reviewed for prompt injection and unsafe behavior - **Seller:** [iankiku](https://agentstack.voostack.com/s/iankiku) - **Installs:** 0 - **Category:** [Agent Skills](https://agentstack.voostack.com/c/agent-skills) - **Latest version:** 0.1.0 - **License:** MIT - **Upstream author:** [iankiku](https://github.com/iankiku) - **Source:** https://github.com/iankiku/agent-skill-factory/tree/main/templates/finance/draft-a-credit-memo-from-spreads-and-statements-with-claude-for-excel ## Install ```sh agentstack add skill-iankiku-agent-skill-factory-draft-a-credit-memo-from-spreads-and-statements-with-claude-for-excel ``` Requires the [AgentStack CLI](https://agentstack.voostack.com/docs/cli). Works with Claude Code, Cursor, and any MCP-compatible agent. ## About # Draft a credit memo from spreads and statements with Claude for Excel — skill template Turn this template into a working skill by resolving every `TODO`. The seed prompt below is the published Anthropic example this template was derived from; your skill should generalize it for repeated, hands-off use. ## Outcome Cowork pulls the borrower's filings and spreads through the S&P Capital IQ connector and reads the underwriting workbook from your deal folder. You take the ratios and exceptions into Claude for Excel to update the model, then bring the writeup into Claude for Word for the credit memo. TODO: Restate the outcome for YOUR context in one sentence: who runs this, on what input, producing what artifact, how often. ## Seed prompt (verbatim from source, © Anthropic PBC) ```text Acme Manufacturing — $25M revolver renewal, committee Thursday. Walk me through the credit before I touch the spread. ``` ## Required context and inputs - S&P Capital IQ connector enabled - Deal folder with underwriting workbook attached - Credit memo template - Claude for Excel add-in installed - Claude for Word add-in installed - TODO: exact file paths / folders / message formats this skill should expect - TODO: domain context the model cannot infer (naming conventions, thresholds, house style) ## Tools, connectors, APIs, and authentication - Claude for Excel add-in - Claude for Word add-in - S&P Capital IQ - TODO: confirm which connectors are enabled in the runtime that will execute this skill - Authentication: connectors authenticate via their own OAuth flows — this skill must NEVER ask for, store, or echo credentials, tokens, or API keys. If auth is missing, stop and tell the user which connector to enable. ## Permissions and sensitive actions - Reads: TODO (folders, channels, records this skill may read) - Writes: TODO (what it may create/modify, and where) - Held back for the primary agent / human: sending external communications, financial transactions, deleting or overwriting originals, submitting web forms ## Workflow 1. Pull three years of financials and peer spreads from S&P Capital IQ 2. Read the underwriting workbook in the deal folder and flag where ratios trip policy 3. Tell which assumptions in the model don't match what's in the statements 4. Provide a brief to take into Excel with cell references, what to change, and why TODO: adapt the steps above (from the source page) into imperative instructions for the executing agent, including what to do between steps. ## Decision points - TODO: list each point where the skill must choose between paths, with the rule to apply - Default rule: prefer the reversible option; when two readings of the input are plausible, surface both rather than picking silently. ## Validation criteria - Output matches the outcome statement above (spot-check against the seed prompt's asks) - Every factual claim is traceable to a provided input, connector record, or cited source - All figures reconcile to source statements/workbooks; totals recomputed programmatically, not by eye - Flag (never silently correct) discrepancies between model and source data - TODO: add one domain-specific check a reviewer in your org would apply ## Failure modes and fallbacks - Connector unavailable or unauthenticated → pause, tell the user exactly which connector to enable and why; offer a degraded run from uploaded files - Expected files missing from the connected folder → list what was found, ask before proceeding on partial inputs - Ambiguous or missing input → ask one targeted question; if unattended, state the assumption inline and proceed - Any step would take a sensitive/irreversible action → stop and hand back to the user (see Delegation) ## Delegation Apply the repo's delegation policy (`docs/delegation-policy.md` — bundle or restate it if you install this skill outside the repo). Defaults for this template: - Run single-agent unless a step fans out over independent items (files, records, vendors, channels). Only independent work parallelizes. - Each delegated task must ship with: the minimal context slice it needs, an explicit output contract, a validation check the primary agent runs on the result, and a fallback if it returns empty or fails. - Final review, synthesis, and every sensitive action listed above stay with the primary agent. - TODO: name the concrete subtasks (if any) that qualify for delegation here. ## Attribution Derived from [Draft a credit memo from spreads and statements with Claude for Excel](https://claude.com/resources/use-cases/draft-a-credit-memo-from-spreads-and-statements-with-claude-for-excel) (retrieved 2026-07-26). Seed prompt and workflow content © Anthropic PBC. Scaffold structure original to this repository. ## Source & license This open-source skill is cataloged on AgentStack and links to its original source — we do not rehost the code. - **Author:** [iankiku](https://github.com/iankiku) - **Source:** [iankiku/agent-skill-factory](https://github.com/iankiku/agent-skill-factory) - **License:** MIT Install and usage instructions live in the source repository linked above. ## Pricing - **Free** — Free ## Security capabilities Automated source analysis of v0.1.0 — what this tool can access: - **Network access:** no - **Filesystem access:** no - **Shell / process execution:** no - **Environment & secrets:** no - **Dynamic code execution:** no *"Yes" means the capability is present in the source — more access means more to trust, not that it is unsafe.* ## Versions - **0.1.0** — security scan: passed — Imported from the upstream source. ## Links - Listing page: https://agentstack.voostack.com/l/skill-iankiku-agent-skill-factory-draft-a-credit-memo-from-spreads-and-statements-with-claude-for-excel - Seller: https://agentstack.voostack.com/s/iankiku - Browse the marketplace: https://agentstack.voostack.com/browse --- Listed on AgentStack — the marketplace for AI agent skills and MCP servers. Every listing is security-reviewed. Creators keep 70%.