Prompt lesson · 26 prompts
Credit Analysis prompts for Finance and Accounting specialists
26 ready-to-use prompts from our AI for Finance and Accounting specialists course. Copy one, fill in the {{placeholders}}, and paste it into ChatGPT, Claude, Gemini or any other AI.
Analyze Cash Flow Health
Use this when you need to evaluate a company's cash inflows and outflows to assess its ability to meet financial obligations and identify improvement opportunities.
Role You are a financial analyst specializing in cash flow management. Your goal is to analyze cash flow data, identify trends and risks, and provide actionable recommendations to optimize liquidity.
Context you provide
- {{company_name}}: The company or entity for analysis.
- {{financial_data}}: Cash flow statements or data for the relevant period.
- {{comparison_benchmarks}}: Industry peers or benchmarks for comparative analysis (optional).
- {{scenarios}}: Specific scenarios to test for sensitivity analysis (optional).
Instructions
- Ask for missing data before starting.
- Analyze the provided cash flow data to identify trends in inflows and outflows.
- Assess the company's ability to meet short-term and long-term obligations.
- If benchmarks are provided, compare performance against peers.
- If scenarios are given, perform a sensitivity analysis.
- Recommend specific measures to optimize cash flow and mitigate risks.
Output format Provide a structured report with: Executive Summary, Key Trends, Risk Assessment, Comparative Analysis (if applicable), Scenario Analysis (if applicable), and Recommendations. Use tables for data and keep the tone professional.
Guardrails
- Do not invent financial data; use only what is provided.
- Clearly state any assumptions about the data or context.
- Focus on cash flow, not broader financial performance.
Example
- {{company_name}}: XYZ Corp, {{financial_data}}: [cash flow statements for 2021-2023], {{comparison_benchmarks}}: [peer data], {{scenarios}}: [e.g., 10% revenue decline]
Open this prompt Analysis · Intermediate
Assess Borrower Credit Risk
Use this when you need to evaluate the creditworthiness of a borrower or group of applicants.
Role You are a credit risk analyst. Your objective is to assess the creditworthiness of borrowers by analyzing their financial statements and credit history, and to provide a clear recommendation.
Context you provide
- {{borrower_info}}: Name and background of the borrower (individual or company).
- {{financial_statements}}: Income statements, balance sheets, cash flow statements.
- {{credit_history}}: Payment records, existing debts, credit scores.
- {{loan_details}}: Amount requested, purpose, and terms (if applicable).
Instructions
- Ask for any missing information before proceeding.
- Analyze the financial statements and credit history to evaluate the borrower's ability and willingness to repay.
- Identify key risk factors, such as high debt-to-income ratio, late payments, or unstable income.
- Provide a credit risk rating (e.g., low, medium, high) and a recommendation on loan approval.
- Suggest any additional conditions or monitoring requirements if the loan is approved.
Output format Present the assessment as a structured report with sections: Borrower Overview, Financial Analysis, Credit History, Risk Rating, Recommendation, and Conditions. Use clear, professional language. Include a summary table of key financial ratios.
Guardrails
- Base your analysis only on the provided data; do not assume missing information.
- Clearly state any limitations of the analysis.
- Do not provide a final approval decision; your role is to inform the decision-maker.
Example
- {{borrower_info}}: "John Doe, self-employed."
- {{financial_statements}}: "Annual income $80K, expenses $50K."
- {{credit_history}}: "No late payments, credit score 720."
- {{loan_details}}: "Requesting $50K for business expansion."
Open this prompt Analysis · Intermediate
Comprehensive Financial Ratio Analysis
Use this when you need to calculate and interpret financial ratios to evaluate a company's liquidity, solvency, profitability, or efficiency.
Open this prompt Analysis · Intermediate
Credit Analysis Presentation Template
Use this when you need to communicate credit analysis results clearly to management, clients, or stakeholders.
Open this prompt Creating · Intermediate
Credit Analysis Training Materials
Use this when you need to create educational resources and training materials to improve a team's credit analysis skills.
Open this prompt Creating · Intermediate
Credit Compliance Review
Use this when you need to audit credit analysis processes for regulatory compliance and data privacy gaps.
Open this prompt Analysis · Intermediate
Credit Limit Assessment Guide
Use this when you need a practical framework for setting credit limits based on customer data.
Open this prompt Planning · Intermediate
Credit Limit Model Development
Use this when you need to design a data-driven system for determining customer credit limits.
Open this prompt Creating · Advanced
Credit Monitoring System Design
Use this when you need to design a system for ongoing credit monitoring and real-time reporting.
Open this prompt Creating · Advanced
Credit Policy Framework Creation
Use this when you need to develop or update credit policies and procedures for consistent credit analysis.
Open this prompt Creating · Intermediate
Credit Risk Assessment Framework
Use this when you need to identify and evaluate potential risks associated with extending credit, including default, market, and operational risks.
Open this prompt Analysis · Advanced
Credit Risk Model Development
Use this when you need to develop, evaluate, or improve statistical models for predicting credit risk.
Open this prompt Analysis · Advanced
Credit Scoring Algorithm Design
Use this when you need to design or refine a credit scoring model that assigns a numerical score to borrowers based on their creditworthiness.
Open this prompt Creating · Advanced
Credit Scoring Model Refinement
Use this when you need to develop, refine, or adapt a credit scoring model, including incorporating alternative data or macroeconomic indicators.
Open this prompt Analysis · Advanced
Creditworthiness Ratio Analysis
Use this when you need a detailed creditworthiness assessment of one or more companies, including ratio comparisons and trend analysis.
Open this prompt Analysis · Advanced
Customer Credit Relationship Management
Use this when you need to improve customer relationships by providing personalized credit advice, addressing concerns, and analyzing feedback.
Open this prompt Communication · Intermediate
Debt Restructuring Strategy Guidance
Use this when you need to analyze a company's debt obligations and develop strategies for restructuring to improve its credit profile.
Open this prompt Planning · Intermediate
Design Credit Risk Mitigation Strategies
Use this when you need to identify and implement strategies to reduce credit risk, such as collateral or insurance.
Open this prompt Planning · Intermediate
Develop Credit Policy Framework
Use this when you need to create or refine credit policies and scoring models based on data analysis.
Open this prompt Analysis · Advanced
Evaluate Collateral Adequacy
Use this when you need to assess the value and quality of assets pledged as collateral to determine their adequacy in mitigating credit risk.
Open this prompt Analysis · Advanced
Financial Health Assessment
Use this when you need to analyze a company's financial statements to evaluate its profitability, liquidity, solvency, and debt repayment capacity.
Open this prompt Analysis · Intermediate
Industry Credit Trend Scan
Use this when you need a quick, focused analysis of industry trends that affect creditworthiness in a specific sector.
Open this prompt Research · Beginner
Loan Portfolio Risk Review
Use this when you need to analyze the composition, performance, and risks of a company's loan portfolio to identify opportunities for optimization.
Open this prompt Analysis · Intermediate
Monitor Credit Portfolio Health
Use this when you need to track credit portfolio performance, detect early warning signs, and recommend actions.
Open this prompt Analysis · Intermediate
Prepare Comprehensive Credit Reports
Use this when you need to compile detailed credit analysis reports for internal or external stakeholders.
Open this prompt Writing · Intermediate
Sector Credit Risk Assessment
Use this when you need to evaluate the creditworthiness of a specific industry sector by analyzing market conditions, trends, and macroeconomic factors.
Open this prompt Analysis · Advanced