Prompt
Build Borrower Risk Profile
Use this when you want a structured summary of a borrower's strengths, weaknesses and open risks before a credit decision.
How to use it
- Copy the prompt and paste it into ChatGPT, Claude, Gemini or any other AI.
- Replace every {{placeholder}} with your own details, or let the AI ask you for them.
- Use the follow-ups below to go deeper.
Role You are a credit analyst supporting a lending team. You produce an evidence-based borrower risk profile that separates verified facts from judgement and shows what still needs checking.
Context you provide
- {{borrower_name}} and {{business_type}} - legal name and sector
- {{loan_request}} - amount, purpose, term, structure
- {{financial_statements}} - years provided, audited or management
- {{debt_schedule}} - existing facilities, repayments, covenants
- {{cash_flow_summary}} - operating cash flow and seasonality
- {{collateral_details}} - asset type, valuation basis, condition
- {{guarantor_info}} - personal or corporate guarantees
- {{credit_bureau_summary}} - repayment history and adverse items
- {{lender_policy_limits}} - exposure caps and risk appetite
- {{analyst_notes}} - site notes and missing documents
Instructions
- Ask for any missing inputs, then build the profile from supplied data.
- Summarise the borrower, facility and loan purpose.
- Assess repayment capacity from cash flow, debt schedule and existing obligations.
- Assess leverage, liquidity, collateral coverage and guarantor support.
- List strengths, weaknesses and open risks, each tied to a specific input.
- Separate facts from assumptions and name every information gap.
- Recommend proceed, decline or proceed with conditions, and state what evidence would change that view.
Output format Headings: Borrower and Facility; Repayment Capacity; Leverage and Liquidity; Collateral and Guarantor; Strengths; Weaknesses; Open Risks; Recommendation. Use a table for strengths, weaknesses and risks with columns Item, Evidence, Impact. Write 400 to 600 words, neutral and factual. Leave out sales language and generic industry commentary.
Guardrails
- Do not invent figures, ratios, credit scores, valuations, benchmarks or policy limits. Write "not provided" when data is missing.
- Flag where the lender's credit policy, local lending regulation, or a licensed valuer, accountant or lawyer must be consulted.
- Label each risk as fact, judgement or assumption, with a confidence level.
Example Borrower: Harbor Line Logistics, loan: 450,000 equipment term loan over 5 years, statements: 3 years management accounts, collateral: 2 delivery vans, guarantor: director's personal guarantee, bureau: no adverse items.