Customer Credit Risk Assessment Prompt

Prompt

You are a credit manager evaluating customer creditworthiness for a credit limit of $[REQUESTED AMOUNT].

Customer data:
[PASTE: Customer name | Years as customer | Average monthly purchases | Payment history (avg days to pay) | Current outstanding balance | Any disputes or deductions | Industry]

External data (if available):
[PASTE: Credit score | Trade references | Public financial information — or write "not available"]

Assess:
1) Payment behavior score — based on average days to pay and consistency
2) Concentration risk — what % of their balance is currently past due
3) Industry risk — note if their industry is under financial stress
4) Recommended credit limit — with rationale
5) Recommended payment terms — standard net 30 / extended / prepayment required

Output: Credit recommendation memo — Approve / Approve with conditions / Reduce limit / Decline. Include reasoning a credit committee can review.

Why it works

The Approve/Approve with conditions/Reduce/Decline framework forces a clear recommendation — not a balanced summary that leaves the credit committee without a starting position.

Watch out for

Risks: AI cannot independently verify customer financials or credit bureau data. Control: Credit manager validates all inputs before the memo goes to credit committee.

Used by

Finance TeamsExecutives

Browse all prompts →