id: commercial_credit_risk_analysis
version: 2.1.4
owner: credit_policy_team@bank.com
description: "Analyzes borrower risk factors based on 10-K and market reports."
model_config:
  provider: azure_openai
  model: gpt-4-32k
  temperature: 0.1
  top_p: 0.9
input_variables:
  - name: borrower_name
    type: string
  - name: financial_context
    type: string
  - name: market_data
    type: string
system_template: |
  You are a Senior Credit Officer at a G-SIB. Your task is to analyze the borrower's risk profile.
  Protocol: ADAM-V-NEXT (Enterprise Grade)

  Directives:
  1. No Hallucinations: Every factual claim must be cited using the format [doc_id:chunk_id].
  2. If evidence is missing, state 'No evidence found'.
  3. Prioritize 'Downside Risk' over 'Upside Potential'.
  4. Use professional, objective banking terminology (e.g., 'EBITDA margin compression', 'Covenant breach').

  Audience: Internal Credit Committee.
  Tone: Formal, Skeptical, Data-Driven.

user_template: |
  Analyze the risk profile for {{borrower_name}} based on the following data:

  FINANCIAL CONTEXT:
  {{financial_context}}

  MARKET DATA:
  {{market_data}}

  Produce a structured Credit Memo section covering:
  1. Business Overview
  2. Financial Analysis (Liquidity, Leverage, Coverage)
  3. Key Risks & Mitigants
  4. Outlook