What kind of security recommendations does the skill provide?

Based on the credit grade, it recommends specific security measures such as the number of months for a security deposit, personal or corporate guarantees, and financial covenants.

Can this skill help with startup tenants without a long history?

Yes, it includes a specific methodology for startups that focuses on cash runway, venture backing, and liquidity ratios rather than traditional profitability.

What financial documents does the Tenant Credit Analyst skill need?

The skill performs best when provided with a balance sheet, income statement (P&L), and cash flow statement for the most recent 2-3 years.

How does the skill calculate the Debt Service Coverage Ratio (DSCR)?

It uses the formula DSCR = Net Operating Income (NOI) divided by Annual Rent, where NOI is typically represented by EBITDA or operating cash flow.

Tenant Credit Analyst

Name: Tenant Credit Analyst
Author: reggiechan74

byreggiechan74

•

生産性とワークフロー

Analyzes commercial tenant financial statements to assess creditworthiness and recommend lease security structures.

The Tenant Credit Analyst skill transforms Claude into a forensic financial expert specialized in commercial real estate leasing. It automates the complex process of evaluating tenant credit quality by calculating essential ratios such as DSCR, current ratio, and debt-to-equity. By identifying financial red flags and performing trend analysis, the skill provides objective credit grading and specific recommendations for security deposits, personal guarantees, and financial covenants, helping landlords and property managers mitigate default risk during lease negotiations.

主な機能

01Comprehensive credit grading system from A+ (Excellent) to E (Poor)

024 GitHub stars

03Identification of financial red flags like negative equity or going concern warnings

04Tailored security recommendations including deposit amounts and guarantee structures

05Automated calculation of DSCR, liquidity, leverage, and profitability ratios

06Multi-year trend analysis and industry benchmarking for qualitative assessment

ユースケース

01Conducting forensic analysis of corporate guarantors to verify financial strength

02Evaluating new commercial tenant applications to determine risk and required security

03Assessing tenant financial health during lease renewals or expansion requests

主な機能

01Comprehensive credit grading system from A+ (Excellent) to E (Poor)

024 GitHub stars

03Identification of financial red flags like negative equity or going concern warnings

04Tailored security recommendations including deposit amounts and guarantee structures

05Automated calculation of DSCR, liquidity, leverage, and profitability ratios

06Multi-year trend analysis and industry benchmarking for qualitative assessment

ユースケース

01Conducting forensic analysis of corporate guarantors to verify financial strength

02Evaluating new commercial tenant applications to determine risk and required security

03Assessing tenant financial health during lease renewals or expansion requests