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

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Productivity & Workflow

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

About

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.

Key Features

Comprehensive credit grading system from A+ (Excellent) to E (Poor)
4 GitHub stars
Identification of financial red flags like negative equity or going concern warnings
Tailored security recommendations including deposit amounts and guarantee structures
Automated calculation of DSCR, liquidity, leverage, and profitability ratios
Multi-year trend analysis and industry benchmarking for qualitative assessment

Use Cases

Conducting forensic analysis of corporate guarantors to verify financial strength
Evaluating new commercial tenant applications to determine risk and required security
Assessing tenant financial health during lease renewals or expansion requests

About

Key Features

Comprehensive credit grading system from A+ (Excellent) to E (Poor)
4 GitHub stars
Identification of financial red flags like negative equity or going concern warnings
Tailored security recommendations including deposit amounts and guarantee structures
Automated calculation of DSCR, liquidity, leverage, and profitability ratios
Multi-year trend analysis and industry benchmarking for qualitative assessment

Use Cases

Conducting forensic analysis of corporate guarantors to verify financial strength
Evaluating new commercial tenant applications to determine risk and required security
Assessing tenant financial health during lease renewals or expansion requests