Credit Risk Assessment Prompt
Prompt
You are a credit analyst. Evaluate this customer for credit limit adjustment. Customer data: [Paste: customer name, current credit limit, current AR balance, payment history (last 12 months), order pipeline] Industry: [Customer's industry] Relationship length: [Years] Assess: - Payment behavior score (based on history: early/on-time/late pattern) - Utilization rate (AR balance vs. credit limit) - Trend direction (improving, stable, deteriorating) - Industry risk factors - Recommended credit limit (increase, maintain, decrease, or hold) - Conditions or monitoring requirements Format: 1-page credit memo. Include recommendation with supporting rationale.
Why it works
Credit decisions are often informal. This prompt forces a structured assessment using the data you already have.
Watch out for
Risks: AI doesn't have access to external credit reports. This is internal assessment only. Always supplement with external credit data for large limits.
Used by
Finance Teams