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intermediate·Finance & FP&A·45 minutes

Customer Credit Limit Review Memo

A credit analysis with concentration math and a committee-ready one-page memo containing a clear conditional recommendation.

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Recommended modelGPT-5.5 Instant

Excellent tabular logic and financial model structuring

What you need to fill in

[customer][amount][amount][paste][paste: revenue, payment behaviour, disputes][policy, e.g., max 10% of receivables per customer]

Tools used

ClaudeExcel

The prompt

"Prepare a credit limit review for [customer]. Inputs: - Requested limit: [amount] (current: [amount]) - Their latest financials or credit report summary: [paste] - Our trading history: [paste: revenue, payment behaviour, disputes] - Our exposure appetite: [policy, e.g., max 10% of receivables per customer] Please: 1. Analyse their capacity to pay: liquidity, leverage, trend, any red flags in the report 2. Compute our concentration exposure at the requested limit 3. Recommend approve / approve with conditions / decline, with specific conditions (payment terms, security, review cadence) 4. Write the one-page memo for the credit committee"
Open in ChatGPT

Sample output

**Credit Review: Contoso AB — requested 500k (current 250k)** *Capacity:* current ratio 1.4 (stable), net debt/EBITDA 2.1→2.6 (rising, acquisition-driven), payment index good (avg 4 days late, no disputes 24m). *Concentration:* at 500k, Contoso = 8.7% of receivables — inside 10% policy but top-2 exposure. **Recommendation: approve with conditions** - 350k now, 500k after H1 accounts show leverage < 2.5 - Terms stay NET30 (no extension to NET60 as requested) - Auto-review trigger: any invoice >14 days late

Try with these tools

claudechatgptperplexity
financecredit-managementorder-to-cashrisk

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