{ "prompt_metadata": { "prompt_id": "Unified_Prompt_Library_v1", "prompt_version": "1.0", "creation_date": "2025-09-21", "description": "A unified prompt library containing all prompts from the repository.", "author": "Jules" }, "core_analysis_areas": [ { "prompt_id": "macroeconomic_overview", "prompt_title": "Global Macroeconomic Backdrop", "description": "Analyze key macroeconomic factors expected to influence credit and capital markets.", "prompts": [ { "task_id": "MACRO-01", "prompt_text": "Analyze global GDP growth forecasts (major economies and blocs: US, Eurozone, China, Emerging Markets).", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "MACRO-02", "prompt_text": "Analyze inflation trends and outlook: headline vs. core, drivers, persistence.", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "MACRO-03", "prompt_text": "Analyze monetary policy outlook: central bank actions (Fed, ECB, BoE, BoJ), forward guidance, quantitative easing/tightening (QE/QT) impact.", "expected_response_format": "Narrative analysis." }, { "task_id": "MACRO-04", "prompt_text": "Analyze fiscal policy developments in key economies and their market implications.", "expected_response_format": "Narrative analysis." }, { "task_id": "MACRO-05", "prompt_text": "Analyze labor market dynamics: unemployment rates, wage growth, participation rates.", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "MACRO-06", "prompt_text": "Analyze key geopolitical risks and their potential economic impact (e.g., ongoing conflicts, trade tensions, elections).", "expected_response_format": "Narrative analysis." } ] }, { "prompt_id": "credit_market_trends", "prompt_title": "Credit Market Dynamics and Outlook", "description": "Provide a detailed analysis of trends across major credit market segments.", "prompts": [ { "task_id": "CMT-IG-01", "prompt_text": "Analyze spread outlook and drivers (e.g., economic growth, default expectations, technicals) for Investment Grade (IG) Corporates.", "expected_response_format": "Narrative analysis." }, { "task_id": "CMT-IG-02", "prompt_text": "Analyze issuance trends: volume, use of proceeds, new issuer types for Investment Grade (IG) Corporates.", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "CMT-IG-03", "prompt_text": "Analyze default rate forecasts and recovery rate expectations for Investment Grade (IG) Corporates.", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "CMT-HY-01", "prompt_text": "Analyze spread outlook and drivers (risk appetite, default fears, economic sensitivity) for High Yield (HY) Corporates.", "expected_response_format": "Narrative analysis." }, { "task_id": "CMT-HY-02", "prompt_text": "Analyze issuance trends: quality of new issues, covenant analysis for High Yield (HY) Corporates.", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "CMT-HY-03", "prompt_text": "Analyze default rate forecasts (base, bull, bear cases) and recovery rates, including distressed debt dynamics for High Yield (HY) Corporates.", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "CMT-LOANS-01", "prompt_text": "Analyze market trends: CLO issuance, private credit competition for Leveraged Loans.", "expected_response_format": "Narrative analysis." }, { "task_id": "CMT-LOANS-02", "prompt_text": "Analyze credit quality: EBITDA add-backs, covenant-lite trends for Leveraged Loans.", "expected_response_format": "Narrative analysis." }, { "task_id": "CMT-PC-01", "prompt_text": "Analyze growth trajectory and market share vs. public markets for Private Credit & Direct Lending.", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "CMT-PC-02", "prompt_text": "Analyze key risks: transparency, valuation methodologies, potential for correlated defaults for Private Credit & Direct Lending.", "expected_response_format": "Narrative analysis." } ] }, { "prompt_id": "capital_market_trends", "prompt_title": "Capital Market Activity and Outlook", "description": "Analyze trends in equity and other capital raising activities.", "prompts": [ { "task_id": "CAP-EQ-01", "prompt_text": "Analyze the overall market outlook: key index target levels (S&P 500, Nasdaq, etc.), valuation analysis (P/E ratios, ERP) for Equity Markets.", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "CAP-EQ-02", "prompt_text": "Analyze earnings growth expectations and corporate profitability trends for Equity Markets.", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "CAP-IPO-01", "prompt_text": "Analyze the IPO window outlook: conditions favoring or hindering new listings.", "expected_response_format": "Narrative analysis." }, { "task_id": "CAP-MA-01", "prompt_text": "Analyze the outlook for M&A volume and deal sizes.", "expected_response_format": "Narrative analysis with supporting data." } ] }, { "prompt_id": "key_themes_risks", "prompt_title": "Overarching Themes, Risks, and Opportunities", "description": "Synthesize the analysis into key actionable themes, identify major risks, and highlight potential opportunities.", "prompts": [ { "task_id": "THEMES-01", "prompt_text": "Identify 3-5 major secular and cyclical themes shaping the markets (e.g., AI adoption, deglobalization, energy transition, demographic shifts).", "expected_response_format": "Narrative analysis." }, { "task_id": "THEMES-02", "prompt_text": "Summarize key downside risks (e.g., policy missteps, geopolitical escalation, financial contagion, climate events). Provide potential mitigation strategies if applicable.", "expected_response_format": "Narrative analysis." }, { "task_id": "THEMES-03", "prompt_text": "Highlight specific areas of opportunity for investors across asset classes or sectors.", "expected_response_format": "Narrative analysis." } ] }, { "prompt_id": "conclusion_recommendations", "prompt_title": "Conclusion and Strategic Recommendations", "description": "Provide a concluding summary and offer high-level strategic recommendations for different investor profiles (e.g., conservative, balanced, aggressive).", "prompts": [ { "task_id": "CONC-01", "prompt_text": "Summarize the overall outlook for credit and capital markets.", "expected_response_format": "Narrative analysis." }, { "task_id": "CONC-02", "prompt_text": "Suggest portfolio allocation considerations based on the identified trends and risks.", "expected_response_format": "Narrative analysis." } ] }, { "prompt_id": "escalation_email", "prompt_title": "Escalation Email", "description": "A prompt to generate a clear, concise, and effective escalation email.", "prompts": [ { "task_id": "COMM-EE-01", "prompt_text": "Generate an escalation email for the following situation: [Situation]. The email should be addressed to [Recipient] and should clearly state the issue, the impact, the desired resolution, and a deadline.", "expected_response_format": "A well-structured email in Markdown format." } ] }, { "prompt_id": "company_overview", "prompt_title": "Company Overview", "description": "Provide a brief overview of the company.", "prompts": [ { "task_id": "CO-01", "prompt_text": "Describe the company's core operations, products/services.", "expected_response_format": "Narrative description." }, { "task_id": "CO-02", "prompt_text": "Identify the company's industry and sector.", "expected_response_format": "String." }, { "task_id": "CO-03", "prompt_text": "Describe the company's key markets and geographic presence.", "expected_response_format": "Narrative description." }, { "task_id": "CO-04", "prompt_text": "List the company's main competitors.", "expected_response_format": "List of strings." } ] }, { "prompt_id": "financial_health_assessment", "prompt_title": "Financial Health Assessment", "description": "Analyze the company's financial performance and condition using key ratios and trends. Compare to industry benchmarks where possible.", "prompts": [ { "task_id": "FHA-P-01", "prompt_text": "Analyze revenue growth trends (YoY, CAGR).", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "FHA-P-02", "prompt_text": "Analyze Gross Profit Margin, Operating Profit Margin, Net Profit Margin: trends and drivers.", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "FHA-L-01", "prompt_text": "Analyze Current Ratio, Quick Ratio (Acid Test): trends and ability to meet short-term obligations.", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "FHA-S-01", "prompt_text": "Analyze Debt-to-Equity Ratio.", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "FHA-E-01", "prompt_text": "Analyze Asset Turnover Ratio.", "expected_response_format": "Narrative analysis with supporting data." }, { "task_id": "FHA-C-01", "prompt_text": "Analyze Cash Flow from Operations (CFO), Cash Flow from Investing (CFI), and Cash Flow from Financing (CFF).", "expected_response_format": "Narrative analysis with supporting data." } ] }, { "prompt_id": "swot_analysis", "prompt_title": "SWOT Analysis", "description": "Conduct a SWOT analysis (Strengths, Weaknesses, Opportunities, Threats) for the company.", "prompts": [ { "task_id": "SWOT-01", "prompt_text": "Identify the company's strengths: Internal capabilities that provide an advantage (e.g., brand reputation, technology, market share, management).", "expected_response_format": "List of strings." }, { "task_id": "SWOT-02", "prompt_text": "Identify the company's weaknesses: Internal limitations that create disadvantages (e.g., high costs, outdated technology, weak distribution).", "expected_response_format": "List of strings." }, { "task_id": "SWOT-03", "prompt_text": "Identify the company's opportunities: External factors the company can leverage for growth (e.g., market growth, new technologies, favorable regulations, changing consumer preferences).", "expected_response_format": "List of strings." }, { "task_id": "SWOT-04", "prompt_text": "Identify the company's threats: External factors that could pose a risk to the company (e.g., competition, economic downturns, regulatory changes, technological disruption).", "expected_response_format": "List of strings." } ] }, { "prompt_id": "executive_summary", "prompt_title": "Executive Summary", "description": "Provide a concise overview of the comparison, highlighting key differentiators, relative financial performance, and overall investment appeal (if applicable).", "prompts": [ { "task_id": "ES-01", "prompt_text": "Briefly introduce both companies and their sector.", "expected_response_format": "Narrative description." }, { "task_id": "ES-02", "prompt_text": "Summarize the key areas where one company outperforms the other (and vice-versa).", "expected_response_format": "Narrative description." }, { "task_id": "ES-03", "prompt_text": "Summarize the relative valuation.", "expected_response_format": "Narrative description." }, { "task_id": "ES-04", "prompt_text": "Conclude with a thought on which company may be better positioned, and why.", "expected_response_format": "Narrative description." } ] }, { "prompt_id": "financial_performance_comparison", "prompt_title": "Financial Performance Comparison", "description": "Conduct a side-by-side comparison of key financial metrics and ratios. Use tables for clarity.", "prompts": [ { "task_id": "FPC-P-01", "prompt_text": "Compare the revenue growth (YoY, CAGR) of the two companies.", "expected_response_format": "Table with supporting narrative." }, { "task_id": "FPC-P-02", "prompt_text": "Compare the Gross Profit Margin, Operating Profit Margin, and Net Profit Margin of the two companies.", "expected_response_format": "Table with supporting narrative." }, { "task_id": "FPC-L-01", "prompt_text": "Compare the Current Ratio and Quick Ratio of the two companies.", "expected_response_format": "Table with supporting narrative." }, { "task_id": "FPC-S-01", "prompt_text": "Compare the Debt-to-Equity Ratio and Interest Coverage Ratio of the two companies.", "expected_response_format": "Table with supporting narrative." } ] }, { "prompt_id": "valuation_comparison", "prompt_title": "Valuation Comparison", "description": "Compare the current market valuation of the two companies using relevant multiples.", "prompts": [ { "task_id": "VC-01", "prompt_text": "Compare the Price-to-Earnings (P/E) Ratio (TTM and Forward) of the two companies.", "expected_response_format": "Table with supporting narrative." }, { "task_id": "VC-02", "prompt_text": "Compare the Price-to-Sales (P/S) Ratio of the two companies.", "expected_response_format": "Table with supporting narrative." }, { "task_id": "VC-03", "prompt_text": "Compare the Enterprise Value to EBITDA (EV/EBITDA) of the two companies.", "expected_response_format": "Table with supporting narrative." } ] }, { "prompt_id": "company_overview_prompt", "prompt_title": "Company Overview and Business Profile", "description": "Generates a concise overview of the company, its business model, operational scale, products/services, and market position.", "prompts": [ { "task_id": "CO-01", "prompt_text": "What does the company do?", "expected_response_format": "Narrative text with bullet points for key facts." }, { "task_id": "CO-02", "prompt_text": "What are the main products and services offered?", "expected_response_format": "Narrative text with bullet points for key facts." } ] }, { "prompt_id": "industry_analysis_competitive_landscape_prompt", "prompt_title": "Industry Analysis and Competitive Landscape", "description": "Analyzes the industry the company operates in, including its structure, trends, regulatory environment, and competitive dynamics.", "prompts": [ { "task_id": "IA-01", "prompt_text": "Analyze the industry structure, key economic drivers, growth prospects, cyclicality, and any significant regulatory or technological factors.", "expected_response_format": "Structured report with sub-sections for industry overview and competitive analysis." }, { "task_id": "IA-02", "prompt_text": "Identify key competitors and the company's competitive advantages and disadvantages.", "expected_response_format": "Structured report with sub-sections for industry overview and competitive analysis." } ] }, { "prompt_id": "financial_statement_analysis_prompt", "prompt_title": "Financial Statement Analysis", "description": "Conducts a detailed analysis of the company's financial statements, including key ratios, trends, and cash flow generation.", "prompts": [ { "task_id": "FSA-01", "prompt_text": "Calculate and analyze key financial ratios covering profitability, leverage, liquidity, coverage, and efficiency.", "expected_response_format": "Tables for financial data and ratios, with narrative explanations for trends and analysis for each category." }, { "task_id": "FSA-02", "prompt_text": "Identify trends and compare to industry benchmarks if available.", "expected_response_format": "Tables for financial data and ratios, with narrative explanations for trends and analysis for each category." }, { "task_id": "FSA-03", "prompt_text": "Focus on the quality of earnings and cash flow generation.", "expected_response_format": "Tables for financial data and ratios, with narrative explanations for trends and analysis for each category." } ] }, { "prompt_id": "performance_evaluation_prompt", "prompt_title": "Historical and Projected Performance Evaluation", "description": "Evaluates the company's past financial and operational performance and assesses the credibility of its future projections.", "prompts": [ { "task_id": "PEP-01", "prompt_text": "Evaluate the historical performance of the company over the past 3-5 years. Analyze revenue growth, profitability trends, and key operational metrics.", "expected_response_format": "Combination of charts, tables, and narrative analysis." }, { "task_id": "PEP-02", "prompt_text": "If projections are available, assess their reasonableness based on historical performance, industry outlook, and strategic initiatives.", "expected_response_format": "Combination of charts, tables, and narrative analysis." } ] }, { "prompt_id": "strengths_weaknesses_summary_prompt", "prompt_title": "Credit Strengths and Weaknesses Summary", "description": "Provides a balanced summary of the company's key credit strengths and weaknesses.", "prompts": [ { "task_id": "SWS-01", "prompt_text": "Summarize the key credit strengths for the company.", "expected_response_format": "Two distinct lists: one for strengths and one for weaknesses, with brief explanations for each point." }, { "task_id": "SWS-02", "prompt_text": "Summarize the key credit weaknesses for the company.", "expected_response_format": "Two distinct lists: one for strengths and one for weaknesses, with brief explanations for each point." } ] }, { "prompt_id": "foundational_scoping", "prompt_title": "Foundational & Scoping", "description": "This initial phase of any rigorous credit analysis is to establish a clear and unambiguous foundation for the work that follows. This involves defining the entity under review, selecting the analytical framework that will govern the process, and confirming the availability of sufficient information.", "prompts": [ { "task_id": "EP01", "stage_id": "foundational_scoping", "stage_name": "I. Foundational & Scoping Prompts", "section_id": "entity_profile", "section_name": "Entity Profile", "section_description": "This object gathers fundamental identification and contextual data. The purpose of the analysis is paramount, as it dictates the focus and depth required. An analysis for a new bond issuance will concentrate on the company's forward-looking capacity to service the proposed debt, whereas an annual surveillance review will focus on performance relative to previous expectations and covenants.", "prompt_text": "Provide the full legal name of the entity being analyzed, its primary ticker symbol (if public), headquarters location, and the ultimate parent entity.", "expected_response_format": "JSON object with keys: 'legal_name', 'ticker', 'hq_location', 'ultimate_parent'." }, { "task_id": "EP02", "stage_id": "foundational_scoping", "stage_name": "I. Foundational & Scoping Prompts", "section_id": "entity_profile", "section_name": "Entity Profile", "section_description": "This object gathers fundamental identification and contextual data. The purpose of the analysis is paramount, as it dictates the focus and depth required. An analysis for a new bond issuance will concentrate on the company's forward-looking capacity to service the proposed debt, whereas an annual surveillance review will focus on performance relative to previous expectations and covenants.", "prompt_text": "Clearly state the purpose and scope of this credit analysis. Is it for a new debt issuance, an annual surveillance, a management assessment, or another purpose?", "expected_response_format": "Narrative statement defining the specific goal and boundaries of the analysis." }, { "task_id": "AF01", "stage_id": "foundational_scoping", "stage_name": "I. Foundational & Scoping Prompts", "section_id": "analytical_framework_setup", "section_name": "Analytical Framework Setup", "section_description": "This object establishes the methodological 'rules of engagement.' Credit analysis adheres to structured frameworks published by rating agencies like S&P, Moody's, and Fitch. This selection governs the entire analytical process, from financial adjustments to risk factor weighting.", "prompt_text": "Select the primary credit rating agency methodology to be used for this analysis (e.g., S&P Global Ratings, Moody's, Fitch Ratings). Justify the selection.", "expected_response_format": "String value (e.g., 'S&P Global Ratings') with a brief narrative justification." }, { "task_id": "AF02", "stage_id": "foundational_scoping", "stage_name": "I. Foundational & Scoping Prompts", "section_id": "analytical_framework_setup", "section_name": "Analytical Framework Setup", "section_description": "This object establishes the methodological 'rules of engagement.' Credit analysis adheres to structured frameworks published by rating agencies like S&P, Moody's, and Fitch. This selection governs the entire analytical process, from financial adjustments to risk factor weighting.", "prompt_text": "Define the time horizon for the analysis, specifying the historical period (e.g., 2022-2024) and the forecast period (e.g., 2025-2027).", "expected_response_format": "JSON object with keys: 'historical_period_start', 'historical_period_end', 'forecast_period_start', 'forecast_period_end'." }, { "task_id": "IG01", "stage_id": "foundational_scoping", "stage_name": "I. Foundational & Scoping Prompts", "section_id": "information_gathering", "section_name": "Information Gathering", "section_description": "This object serves as a structured checklist to ensure all necessary documentation is available before substantive analysis begins. The process mirrors the initial steps taken by rating agencies, who require issuers to provide a comprehensive information package. An analysis conducted with incomplete data, such as missing debt indentures, cannot properly assess structural risks and is inherently flawed.", "prompt_text": "Confirm receipt and list the annual and interim financial statements (10-K, 10-Q, or equivalents) for the defined historical period.", "expected_response_format": "Boolean confirmation with a list of documents received." }, { "task_id": "IG02", "stage_id": "foundational_scoping", "stage_name": "I. Foundational & Scoping Prompts", "section_id": "information_gathering", "section_name": "Information Gathering", "section_description": "This object serves as a structured checklist to ensure all necessary documentation is available before substantive analysis begins. The process mirrors the initial steps taken by rating agencies, who require issuers to provide a comprehensive information package. An analysis conducted with incomplete data, such as missing debt indentures, cannot properly assess structural risks and is inherently flawed.", "prompt_text": "Confirm receipt and list key legal and financing documents, including credit agreements, bond indentures, and major lease agreements.", "expected_response_format": "Boolean confirmation with a list of documents received." }, { "task_id": "IG03", "stage_id": "foundational_scoping", "stage_name": "I. Foundational & Scoping Prompts", "section_id": "information_gathering", "section_name": "Information Gathering", "section_description": "This object serves as a structured checklist to ensure all necessary documentation is available before substantive analysis begins. The process mirrors the initial steps taken by rating agencies, who require issuers to provide a comprehensive information package. An analysis conducted with incomplete data, such as missing debt indentures, cannot properly assess structural risks and is inherently flawed.", "prompt_text": "Confirm receipt and list qualitative documents, such as investor presentations, management discussion and analysis (MD&A), and equity research reports.", "expected_response_format": "Boolean confirmation with a list of documents received." } ] }, { "prompt_id": "macro_environment_risk_assessment", "prompt_title": "Macro-Environment Risk Assessment", "description": "A company's creditworthiness cannot be assessed in a vacuum. It is fundamentally shaped by the macroeconomic, political, and industry-specific environments in which it operates. This top-down analysis is a prerequisite for understanding the external opportunities and threats facing the company.", "prompts": [ { "task_id": "SCR01", "stage_id": "macro_environment_risk", "stage_name": "II. Macro-Environment Risk Assessment", "section_id": "sovereign_and_country_risk", "section_name": "Sovereign and Country Risk", "section_description": "This analysis evaluates the risks stemming from the primary countries where the company operates, generates revenue, and holds assets. For companies with significant foreign currency debt, the sovereign's own foreign currency rating can act as a 'sovereign ceiling,' effectively capping the corporate's rating due to transfer and convertibility risks.", "prompt_text": "List the company's key countries of operation, ranked by percentage of revenue, assets, or EBITDA.", "expected_response_format": "A list of countries with corresponding percentages for revenue, assets, or EBITDA." }, { "task_id": "SCR02", "stage_id": "macro_environment_risk", "stage_name": "II. Macro-Environment Risk Assessment", "section_id": "sovereign_and_country_risk", "section_name": "Sovereign and Country Risk", "section_description": "This analysis evaluates the risks stemming from the primary countries where the company operates, generates revenue, and holds assets. For companies with significant foreign currency debt, the sovereign's own foreign currency rating can act as a 'sovereign ceiling,' effectively capping the corporate's rating due to transfer and convertibility risks.", "prompt_text": "For the top 3 key countries, assess the economic risk, including real GDP growth trends, inflation, and currency volatility. Provide the sovereign credit rating for each.", "expected_response_format": "Narrative analysis supported by macroeconomic data and sovereign ratings." }, { "task_id": "SCR03", "stage_id": "macro_environment_risk", "stage_name": "II. Macro-Environment Risk Assessment", "section_id": "sovereign_and_country_risk", "section_name": "Sovereign and Country Risk", "section_description": "This analysis evaluates the risks stemming from the primary countries where the company operates, generates revenue, and holds assets. For companies with significant foreign currency debt, the sovereign's own foreign currency rating can act as a 'sovereign ceiling,' effectively capping the corporate's rating due to transfer and convertibility risks.", "prompt_text": "For the top 3 key countries, assess the political and institutional risk, including political stability, rule of law, and institutional effectiveness.", "expected_response_format": "Qualitative narrative assessment." }, { "task_id": "SCR04", "stage_id": "macro_environment_risk", "stage_name": "II. Macro-Environment Risk Assessment", "section_id": "sovereign_and_country_risk", "section_name": "Sovereign and Country Risk", "section_description": "This analysis evaluates the risks stemming from the primary countries where the company operates, generates revenue, and holds assets. For companies with significant foreign currency debt, the sovereign's own foreign currency rating can act as a 'sovereign ceiling,' effectively capping the corporate's rating due to transfer and convertibility risks.", "prompt_text": "Assess the risk of a 'sovereign ceiling' impacting the company's rating due to transfer and convertibility (T&C) risk. Does the company have significant foreign currency debt issued from a country with a low sovereign rating?", "expected_response_format": "Narrative assessment concluding with a statement on the level of sovereign ceiling risk (e.g., Low, Moderate, High)." }, { "task_id": "IR01", "stage_id": "macro_environment_risk", "stage_name": "II. Macro-Environment Risk Assessment", "section_id": "industry_risk_analysis", "section_name": "Industry Risk Analysis", "section_description": "This section evaluates the dynamics of the industry in which the company competes. The analysis must identify systemic risks and opportunities that affect all participants, such as cyclicality, competitive intensity, and long-term growth prospects. A critical modern component is the assessment of industry-wide Environmental, Social, and Governance (ESG) risks.", "prompt_text": "Define the company's primary industry and any significant sub-industries.", "expected_response_format": "String identifying the primary industry (e.g., 'Global Automotive Manufacturing')." }, { "task_id": "IR02", "stage_id": "macro_environment_risk", "stage_name": "II. Macro-Environment Risk Assessment", "section_id": "industry_risk_analysis", "section_name": "Industry Risk Analysis", "section_description": "This section evaluates the dynamics of the industry in which the company competes. The analysis must identify systemic risks and opportunities that affect all participants, such as cyclicality, competitive intensity, and long-term growth prospects. A critical modern component is the assessment of industry-wide Environmental, Social, and Governance (ESG) risks.", "prompt_text": "Analyze the industry's cyclicality, competitive intensity, and barriers to entry. How do these factors influence profitability and risk for participants?", "expected_response_format": "Narrative analysis covering cyclicality, competition, and barriers to entry." }, { "task_id": "IR03", "stage_id": "macro_environment_risk", "stage_name": "II. Macro-Environment Risk Assessment", "section_id": "industry_risk_analysis", "section_name": "Industry Risk Analysis", "section_description": "This section evaluates the dynamics of the industry in which the company competes. The analysis must identify systemic risks and opportunities that affect all participants, such as cyclicality, competitive intensity, and long-term growth prospects. A critical modern component is the assessment of industry-wide Environmental, Social, and Governance (ESG) risks.", "prompt_text": "Assess the industry's long-term growth prospects and key drivers. Is the industry mature, in decline, or experiencing high growth? What are the primary demand drivers?", "expected_response_format": "Narrative analysis supported by industry growth data." }, { "task_id": "IR04", "stage_id": "macro_environment_risk", "stage_name": "II. Macro-Environment Risk Assessment", "section_id": "industry_risk_analysis", "section_name": "Industry Risk Analysis", "section_description": "This section evaluates the dynamics of the industry in which the company competes. The analysis must identify systemic risks and opportunities that affect all participants, such as cyclicality, competitive intensity, and long-term growth prospects. A critical modern component is the assessment of industry-wide Environmental, Social, and Governance (ESG) risks.", "prompt_text": "Identify the top 3 systemic ESG-related risks and opportunities for this industry (e.g., carbon transition, water scarcity, data privacy, supply chain labor standards). Explain how these factors could impact the industry's long-term risk profile and profitability.", "expected_response_format": "Narrative identifying and explaining the impact of key industry-level ESG factors." }, { "task_id": "IR05", "stage_id": "macro_environment_risk", "stage_name": "II. Macro-Environment Risk Assessment", "section_id": "industry_risk_analysis", "section_name": "Industry Risk Analysis", "section_description": "This section evaluates the dynamics of the industry in which the company competes. The analysis must identify systemic risks and opportunities that affect all participants, such as cyclicality, competitive intensity, and long-term growth prospects. A critical modern component is the assessment of industry-wide Environmental, Social, and Governance (ESG) risks.", "prompt_text": "Synthesize the country and industry risk assessments to determine a combined Corporate Industry and Country Risk Assessment (CICRA) score, following the selected rating agency's methodology. Justify how the interaction between country and industry factors exacerbates or mitigates overall risk.", "expected_response_format": "A single risk score (e.g., 1-Very Low Risk to 6-Very High Risk) with a detailed justification narrative.[11]" } ] }, { "prompt_id": "business_risk_profile_assessment", "prompt_title": "Business Risk Profile Assessment", "description": "This section transitions from the external environment to the company's specific operational characteristics and strategic positioning. The Business Risk Profile assesses the durability and strength of the company's franchise within its industry context.", "prompts": [ { "task_id": "CP01", "stage_id": "business_risk_profile", "stage_name": "III. Business Risk Profile Assessment", "section_id": "competitive_position", "section_name": "Competitive Position", "section_description": "This evaluates the company's market standing and the sustainability of its competitive advantages. A dominant market share, protected by high barriers to entry, is a significant credit strength. Conversely, high customer or geographic concentration is a key vulnerability.", "prompt_text": "Assess the company's market share and competitive rank in its primary product lines and geographic markets. Is its position strengthening, stable, or eroding over time? Provide supporting data.", "expected_response_format": "Narrative analysis with market share data and trends." }, { "task_id": "CP02", "stage_id": "business_risk_profile", "stage_name": "III. Business Risk Profile Assessment", "section_id": "competitive_position", "section_name": "Competitive Position", "section_description": "This evaluates the company's market standing and the sustainability of its competitive advantages. A dominant market share, protected by high barriers to entry, is a significant credit strength. Conversely, high customer or geographic concentration is a key vulnerability.", "prompt_text": "Analyze the company's diversification across products/services, geographies, and customers. Is there significant concentration risk in any of these areas? Quantify where possible (e.g., '% of revenue from top customer').", "expected_response_format": "Narrative analysis with supporting diversification metrics." }, { "task_id": "CP03", "stage_id": "business_risk_profile", "stage_name": "III. Business Risk Profile Assessment", "section_id": "competitive_position", "section_name": "Competitive Position", "section_description": "This evaluates the company's market standing and the sustainability of its competitive advantages. A dominant market share, protected by high barriers to entry, is a significant credit strength. Conversely, high customer or geographic concentration is a key vulnerability.", "prompt_text": "Identify and evaluate the company's key competitive advantages (e.g., brand strength, proprietary technology, cost leadership, network effects, barriers to entry). How durable are these advantages?", "expected_response_format": "Qualitative assessment of competitive advantages with justification." }, { "task_id": "OEP01", "stage_id": "business_risk_profile", "stage_name": "III. Business Risk Profile Assessment", "section_id": "operational_efficiency_and_profitability", "section_name": "Operational Efficiency and Profitability", "section_description": "This examines the company's ability to generate profits and cash flow. A crucial distinction is made between the absolute level of profitability and its volatility. Two companies may have the same average EBITDA margin over a five-year period, but the one with lower margin volatility is considered a better credit risk because its cash flows are more predictable and reliable for servicing debt through an economic cycle.", "prompt_text": "Analyze the historical trend and level of the company's key profitability metrics (e.g., EBITDA margin, EBIT margin) over the defined historical period.", "expected_response_format": "Narrative analysis supported by a table of historical profitability ratios." }, { "task_id": "OEP02", "stage_id": "business_risk_profile", "stage_name": "III. Business Risk Profile Assessment", "section_id": "operational_efficiency_and_profitability", "section_name": "Operational Efficiency and Profitability", "section_description": "This examines the company's ability to generate profits and cash flow. A crucial distinction is made between the absolute level of profitability and its volatility. Two companies may have the same average EBITDA margin over a five-year period, but the one with lower margin volatility is considered a better credit risk because its cash flows are more predictable and reliable for servicing debt through an economic cycle.", "prompt_text": "Assess the volatility of the company's profitability. Calculate the standard deviation or coefficient of variation of the EBITDA margin over the historical period and compare it to peers.", "expected_response_format": "A quantitative measure of volatility with a narrative explaining its credit implications." }, { "task_id": "OEP03", "stage_id": "business_risk_profile", "stage_name": "III. Business Risk Profile Assessment", "section_id": "operational_efficiency_and_profitability", "section_name": "Operational Efficiency and Profitability", "section_description": "This examines the company's ability to generate profits and cash flow. A crucial distinction is made between the absolute level of profitability and its volatility. Two companies may have the same average EBITDA margin over a five-year period, but the one with lower margin volatility is considered a better credit risk because its cash flows are more predictable and reliable for servicing debt through an economic cycle.", "prompt_text": "Evaluate the company's cost structure and operating efficiency. Is there evidence of a durable cost advantage? How does its efficiency compare to peers?", "expected_response_format": "Qualitative assessment of the cost structure with supporting evidence." }, { "task_id": "MG01", "stage_id": "business_risk_profile", "stage_name": "III. Business Risk Profile Assessment", "section_id": "management_and_governance", "section_name": "Management and Governance", "section_description": "This qualitative assessment evaluates the competence, strategy, and risk appetite of the management team, as well as the robustness of corporate governance structures. Management's financial policy is a critical indicator of future financial risk and demonstrates the link between business strategy and balance sheet management. Weak governance or a history of poor strategic execution are significant credit concerns.", "prompt_text": "Evaluate management's strategic competence and operational track record. Has management successfully executed on past strategic initiatives?", "expected_response_format": "Narrative assessment of management's strategy and historical performance." }, { "task_id": "MG02", "stage_id": "business_risk_profile", "stage_name": "III. Business Risk Profile Assessment", "section_id": "management_and_governance", "section_name": "Management and Governance", "section_description": "This qualitative assessment evaluates the competence, strategy, and risk appetite of the management team, as well as the robustness of corporate governance structures. Management's financial policy is a critical indicator of future financial risk and demonstrates the link between business strategy and balance sheet management. Weak governance or a history of poor strategic execution are significant credit concerns.", "prompt_text": "Assess management's risk appetite and financial policy. Is the financial policy viewed as conservative, moderate, or aggressive? Are shareholder returns consistently prioritized over creditor interests?", "expected_response_format": "Narrative assessment of financial policy, concluding with a characterization (e.g., 'Aggressive')." }, { "task_id": "MG03", "stage_id": "business_risk_profile", "stage_name": "III. Business Risk Profile Assessment", "section_id": "management_and_governance", "section_name": "Management and Governance", "section_description": "This qualitative assessment evaluates the competence, strategy, and risk appetite of the management team, as well as the robustness of corporate governance structures. Management's financial policy is a critical indicator of future financial risk and demonstrates the link between business strategy and balance sheet management. Weak governance or a history of poor strategic execution are significant credit concerns.", "prompt_text": "Evaluate the quality and robustness of corporate governance. Consider board independence, transparency of financial reporting, and any history of related-party transactions or regulatory issues.", "expected_response_format": "Qualitative assessment of governance structures and practices." }, { "task_id": "GOS01", "stage_id": "business_risk_profile", "stage_name": "III. Business Risk Profile Assessment", "section_id": "group_and_ownership_structure", "section_name": "Group and Ownership Structure", "section_description": "This analysis considers the influence of the company's parent or controlling shareholders. A subsidiary's rating can be positively influenced by a strong parent or negatively impacted by a weak parent that may extract resources. The analysis must consider specific methodologies for group structures and government-related entities (GREs).", "prompt_text": "Identify the company's parent entity or key controlling shareholders. Describe the ownership structure.", "expected_response_format": "Narrative description of the ownership structure." }, { "task_id": "GOS02", "stage_id": "business_risk_profile", "stage_name": "III. Business Risk Profile Assessment", "section_id": "group_and_ownership_structure", "section_name": "Group and Ownership Structure", "section_description": "This analysis considers the influence of the company's parent or controlling shareholders. A subsidiary's rating can be positively influenced by a strong parent or negatively impacted by a weak parent that may extract resources. The analysis must consider specific methodologies for group structures and government-related entities (GREs).", "prompt_text": "Assess the potential for positive or negative intervention from the parent/controlling shareholder. Consider the parent's credit quality, strategic importance of the subsidiary, and any history of support or resource extraction.", "expected_response_format": "Narrative assessment concluding on the likely direction and strength of group influence." }, { "task_id": "GOS03", "stage_id": "business_risk_profile", "stage_name": "III. Business Risk Profile Assessment", "section_id": "group_and_ownership_structure", "section_name": "Group and Ownership Structure", "section_description": "This analysis considers the influence of the company's parent or controlling shareholders. A subsidiary's rating can be positively influenced by a strong parent or negatively impacted by a weak parent that may extract resources. The analysis must consider specific methodologies for group structures and government-related entities (GREs).", "prompt_text": "If the company is a Government-Related Entity (GRE), assess the likelihood of extraordinary government support based on the relevant rating agency methodology.", "expected_response_format": "Narrative analysis applying the GRE framework, concluding on the likelihood of support." } ] }, { "prompt_id": "financial_risk_profile_assessment", "prompt_title": "Financial Risk Profile Assessment", "description": "This section forms the quantitative core of the credit analysis, focusing on the company's balance sheet strength, cash flow generation, and overall financial policies.", "prompts": [ { "task_id": "FSA01", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "financial_statement_adjustments", "section_name": "Financial Statement Adjustments", "section_description": "This is the most critical step in quantitative analysis. Standard adjustments for items like operating leases and pension deficits create an analytically 'clean' set of financials that provide a more accurate picture of a company's leverage and obligations.", "prompt_text": "Calculate the present value of operating lease commitments and add the result to reported debt to arrive at lease-adjusted debt. Add lease-related interest back to reported EBITDA.", "expected_response_format": "Table showing reported debt, lease adjustment, and lease-adjusted debt. Separate calculation for adjusted EBITDA." }, { "task_id": "FSA02", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "financial_statement_adjustments", "section_name": "Financial Statement Adjustments", "section_description": "This is the most critical step in quantitative analysis. Standard adjustments for items like operating leases and pension deficits create an analytically 'clean' set of financials that provide a more accurate picture of a company's leverage and obligations.", "prompt_text": "Calculate the after-tax pension and Other Post-Employment Benefit (OPEB) deficits and add them to reported debt.", "expected_response_format": "Table showing reported debt, pension/OPEB adjustment, and resulting adjusted debt." }, { "task_id": "FSA03", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "financial_statement_adjustments", "section_name": "Financial Statement Adjustments", "section_description": "This is the most critical step in quantitative analysis. Standard adjustments for items like operating leases and pension deficits create an analytically 'clean' set of financials that provide a more accurate picture of a company's leverage and obligations.", "prompt_text": "Identify and quantify any material non-recurring items (e.g., restructuring costs, asset sale gains) from the historical period. Adjust reported EBITDA to reflect a normalized, ongoing earnings capacity.", "expected_response_format": "Table listing non-recurring items and their impact on reported EBITDA to arrive at adjusted EBITDA." }, { "task_id": "HFA01", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "historical_financial_analysis", "section_name": "Historical Financial Analysis", "section_description": "This involves calculating and interpreting key credit ratios over the historical period using the adjusted financial figures. The focus is on leverage, coverage, and cash flow metrics, which are central to assessing debt repayment capacity.", "prompt_text": "Using the fully adjusted financials, calculate key leverage ratios (e.g., Adjusted Debt / Adjusted EBITDA, Adjusted FFO / Adjusted Debt) for the defined historical period.", "expected_response_format": "Table of historical leverage ratios." }, { "task_id": "HFA02", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "historical_financial_analysis", "section_name": "Historical Financial Analysis", "section_description": "This involves calculating and interpreting key credit ratios over the historical period using the adjusted financial figures. The focus is on leverage, coverage, and cash flow metrics, which are central to assessing debt repayment capacity.", "prompt_text": "Using the fully adjusted financials, calculate key coverage ratios (e.g., Adjusted EBITDA / Adjusted Interest Expense) for the defined historical period.", "expected_response_format": "Table of historical coverage ratios." }, { "task_id": "HFA03", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "historical_financial_analysis", "section_name": "Historical Financial Analysis", "section_description": "This involves calculating and interpreting key credit ratios over the historical period using the adjusted financial figures. The focus is on leverage, coverage, and cash flow metrics, which are central to assessing debt repayment capacity.", "prompt_text": "Analyze the historical trends in the calculated credit ratios. Explain the key drivers of any significant improvement or deterioration.", "expected_response_format": "Narrative analysis explaining the trends observed in the historical credit metrics." }, { "task_id": "CFA01", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "cash_flow_analysis", "section_name": "Cash Flow Analysis", "section_description": "A deeper dive into the composition, quality, and sustainability of a company's cash flow, which is often considered the single most important consideration in credit analysis. This includes analyzing working capital trends and the cash conversion cycle.", "prompt_text": "Analyze the quality and composition of Cash Flow from Operations (CFO). How much is driven by non-cash charges versus core earnings? Is it volatile?", "expected_response_format": "Narrative analysis of CFO quality and stability." }, { "task_id": "CFA02", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "cash_flow_analysis", "section_name": "Cash Flow Analysis", "section_description": "A deeper dive into the composition, quality, and sustainability of a company's cash flow, which is often considered the single most important consideration in credit analysis. This includes analyzing working capital trends and the cash conversion cycle.", "prompt_text": "Analyze historical working capital trends. Is the company experiencing a consistent cash drain or benefit from working capital changes? What does this imply about operational management?", "expected_response_format": "Narrative analysis supported by a table of historical working capital movements." }, { "task_id": "CFA03", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "cash_flow_analysis", "section_name": "Cash Flow Analysis", "section_description": "A deeper dive into the composition, quality, and sustainability of a company's cash flow, which is often considered the single most important consideration in credit analysis. This includes analyzing working capital trends and the cash conversion cycle.", "prompt_text": "Calculate historical Free Operating Cash Flow (FOCF) and Discretionary Cash Flow (DCF). Assess the company's ability to generate cash after capital expenditures and dividends.", "expected_response_format": "Table showing historical calculation of FOCF and DCF with a narrative assessment." }, { "task_id": "FFS01", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "financial_forecasting_and_stress_testing", "section_name": "Financial Forecasting and Stress Testing", "section_description": "Credit ratings are inherently forward-looking opinions. This section moves from historical analysis to projecting future performance. A critical concept here is the development of a 'rating case' forecast. This is distinct from a company's often-optimistic 'management case.' The rating case incorporates more conservative assumptions about growth and profitability to assess debt service capacity 'through the cycle'.", "prompt_text": "Develop a 'rating case' financial forecast for the defined forecast period. Clearly state the key assumptions for revenue growth, profitability margins, and capital expenditures. These assumptions should be more conservative than management's public guidance.", "expected_response_format": "A full projected financial statement model (IS, BS, CF) with a separate table listing and justifying key assumptions." }, { "task_id": "FFS02", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "financial_forecasting_and_stress_testing", "section_name": "Financial Forecasting and Stress Testing", "section_description": "Credit ratings are inherently forward-looking opinions. This section moves from historical analysis to projecting future performance. A critical concept here is the development of a 'rating case' forecast. This is distinct from a company's often-optimistic 'management case.' The rating case incorporates more conservative assumptions about growth and profitability to assess debt service capacity 'through the cycle'.", "prompt_text": "Define and apply a 'downside stress test' scenario to the rating case forecast. This should model a plausible negative event (e.g., recession, sharp input cost increase). State the stress assumptions clearly.", "expected_response_format": "A second set of projected financial statements under the stress scenario, with assumptions clearly defined." }, { "task_id": "FFS03", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "financial_forecasting_and_stress_testing", "section_name": "Financial Forecasting and Stress Testing", "section_description": "Credit ratings are inherently forward-looking opinions. This section moves from historical analysis to projecting future performance. A critical concept here is the development of a 'rating case' forecast. This is distinct from a company's often-optimistic 'management case.' The rating case incorporates more conservative assumptions about growth and profitability to assess debt service capacity 'through the cycle'.", "prompt_text": "Analyze the trajectory of key credit metrics (leverage, coverage) under both the rating case and the downside stress test. How resilient is the company's financial profile?", "expected_response_format": "Table comparing projected credit metrics under both scenarios, with a narrative discussing financial resilience." }, { "task_id": "FFL01", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "financial_flexibility_and_liquidity", "section_name": "Financial Flexibility and Liquidity", "section_description": "This assesses the company's ability to meet near-term obligations and manage unexpected cash shortfalls. It involves analyzing the debt maturity profile, available liquidity sources, and covenant headroom under credit facilities. A potential covenant breach is a significant credit event that can trigger defaults.", "prompt_text": "Analyze the company's near-term liquidity position. Calculate sources (cash, FFO, available credit lines) versus uses (short-term debt, working capital needs, capex, dividends) over the next 12-24 months.", "expected_response_format": "A sources and uses of liquidity table with a concluding statement on the adequacy of the liquidity position (e.g., Strong, Adequate, Weak)." }, { "task_id": "FFL02", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "financial_flexibility_and_liquidity", "section_name": "Financial Flexibility and Liquidity", "section_description": "This assesses the company's ability to meet near-term obligations and manage unexpected cash shortfalls. It involves analyzing the debt maturity profile, available liquidity sources, and covenant headroom under credit facilities. A potential covenant breach is a significant credit event that can trigger defaults.", "prompt_text": "Provide a schedule of the company's debt maturities for the next 5 years and beyond. Are there any large, upcoming maturity towers that pose a refinancing risk?", "expected_response_format": "A table of debt maturities by year, with a narrative assessment of refinancing risk." }, { "task_id": "FFL03", "stage_id": "financial_risk_profile", "stage_name": "IV. Financial Risk Profile Assessment", "section_id": "financial_flexibility_and_liquidity", "section_name": "Financial Flexibility and Liquidity", "description": "This assesses the company's ability to meet near-term obligations and manage unexpected cash shortfalls. It involves analyzing the debt maturity profile, available liquidity sources, and covenant headroom under credit facilities. A potential covenant breach is a significant credit event that can trigger defaults.", "prompt_text": "Identify the key financial covenants in the company's main credit facilities. Calculate the current and projected covenant headroom under the rating case and stress case forecasts.", "expected_response_format": "Table listing key covenants, their required levels, and the calculated headroom (in %) under both forecast scenarios." } ] }, { "prompt_id": "synthesis_rating_reporting", "prompt_title": "Synthesis, Rating, and Reporting", "description": "The final stage of the analysis involves integrating all prior findings, benchmarking the company against peers, and arriving at a defensible credit rating recommendation.", "prompts": [ { "task_id": "PA01", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "peer_analysis", "section_name": "Peer Analysis", "section_description": "A company's credit metrics are only meaningful when placed in the context of its peers. This systematic comparison helps to normalize for industry-specific characteristics and highlights areas of relative strength or weakness.", "prompt_text": "Identify a group of 3-5 publicly rated peer companies. Justify their selection based on business mix, scale, and geography.", "expected_response_format": "List of peer companies with their credit ratings and a brief justification for their inclusion." }, { "task_id": "PA02", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "peer_analysis", "section_name": "Peer Analysis", "section_description": "A company's credit metrics are only meaningful when placed in the context of its peers. This systematic comparison helps to normalize for industry-specific characteristics and highlights areas of relative strength or weakness.", "prompt_text": "Create a table comparing the subject company's business risk profile (market position, diversification, profitability) against the selected peers.", "expected_response_format": "Table with qualitative comparisons (e.g., 'Stronger', 'In-line', 'Weaker') for key business risk factors across the peer group." }, { "task_id": "PA03", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "peer_analysis", "section_name": "Peer Analysis", "section_description": "A company's credit metrics are only meaningful when placed in the context of its peers. This systematic comparison helps to normalize for industry-specific characteristics and highlights areas of relative strength or weakness.", "prompt_text": "Create a table comparing the subject company's key historical and projected financial metrics (leverage, coverage) against the selected peers.", "expected_response_format": "Table with quantitative credit metrics for the subject company and its peers." }, { "task_id": "RPS01", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "risk_profile_synthesis", "section_name": "Risk Profile Synthesis", "section_description": "This is where the two main pillars of the analysis\u2014Business Risk and Financial Risk\u2014are formally combined to derive an initial, or 'anchor,' credit assessment.", "prompt_text": "Based on the preceding analysis (competitive position, diversification, profitability), synthesize and assign a single Business Risk Profile assessment (e.g., Excellent, Strong, Satisfactory, Fair, Weak, Vulnerable). Justify the assessment.", "expected_response_format": "A single adjectival score with a detailed justification narrative." }, { "task_id": "RPS02", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "risk_profile_synthesis", "section_name": "Risk Profile Synthesis", "section_description": "This is where the two main pillars of the analysis\u2014Business Risk and Financial Risk\u2014are formally combined to derive an initial, or 'anchor,' credit assessment.", "prompt_text": "Based on the preceding analysis (historical and projected financial metrics), synthesize and assign a single Financial Risk Profile assessment (e.g., Minimal, Modest, Intermediate, Significant, Aggressive, Highly Leveraged). Justify the assessment.", "expected_response_format": "A single adjectival score with a detailed justification narrative." }, { "task_id": "RPS03", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "risk_profile_synthesis", "section_name": "Risk Profile Synthesis", "section_description": "This is where the two main pillars of the analysis\u2014Business Risk and Financial Risk\u2014are formally combined to derive an initial, or 'anchor,' credit assessment.", "prompt_text": "Using the selected rating agency's Business Risk / Financial Risk matrix, combine the two profile assessments to determine the 'anchor' credit rating.", "expected_response_format": "A single rating category (e.g., 'bbb', 'bb+') derived from the matrix." }, { "task_id": "MFN01", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "modifying_factors_and_notching", "section_name": "Modifying Factors and Notching", "section_description": "The anchor rating is adjusted for other material factors. A particularly strong or weak liquidity profile can warrant an adjustment. For specific debt instruments, recovery analysis determines whether the instrument rating should be at, above, or below the issuer's overall credit rating based on its security and seniority in the capital structure.", "prompt_text": "Assess the company's liquidity profile as a potential modifying factor. Does the liquidity position (Strong, Adequate, Weak) warrant a notch up or down from the anchor rating?", "expected_response_format": "Narrative assessment concluding with a notching decision (e.g., '+1 notch', 'no adjustment', '-1 notch')." }, { "task_id": "MFN02", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "modifying_factors_and_notching", "section_name": "Modifying Factors and Notching", "section_description": "The anchor rating is adjusted for other material factors. A particularly strong or weak liquidity profile can warrant an adjustment. For specific debt instruments, recovery analysis determines whether the instrument rating should be at, above, or below the issuer's overall credit rating based on its security and seniority in the capital structure.", "prompt_text": "Assess other potential modifiers, such as financial policy, governance, or group support. Justify any further notching adjustments to the anchor rating.", "expected_response_format": "Narrative assessment of any other modifiers and their impact on the rating." }, { "task_id": "MFN03", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "modifying_factors_and_notching", "section_name": "Modifying Factors and Notching", "section_description": "The anchor rating is adjusted for other material factors. A particularly strong or weak liquidity profile can warrant an adjustment. For specific debt instruments, recovery analysis determines whether the instrument rating should be at, above, or below the issuer's overall credit rating based on its security and seniority in the capital structure.", "prompt_text": "For a specific debt instrument, conduct a recovery analysis to determine if its rating should be notched up or down from the final Issuer Credit Rating based on its collateral and seniority.", "expected_response_format": "A recovery rating (e.g., '1+', '3', '5') and a corresponding instrument rating." }, { "task_id": "RR01", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "rating_recommendation", "section_name": "Rating Recommendation", "section_description": "This is the final, actionable output. It includes the recommended rating, a forward-looking outlook, and a concise rationale. The outlook (Stable, Positive, Negative) is a critical component, communicating the likely direction of the rating over the next 12-24 months and is based on the potential for identified risks or opportunities to materialize.", "prompt_text": "State the final recommended Issuer Credit Rating (ICR) after all adjustments.", "expected_response_format": "A final credit rating (e.g., 'BBB-')." }, { "task_id": "RR02", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "rating_recommendation", "section_name": "Rating Recommendation", "section_description": "This is the final, actionable output. It includes the recommended rating, a forward-looking outlook, and a concise rationale. The outlook (Stable, Positive, Negative) is a critical component, communicating the likely direction of the rating over the next 12-24 months and is based on the potential for identified risks or opportunities to materialize.", "prompt_text": "Assign a rating outlook (e.g., Stable, Positive, Negative, Developing). Justify the outlook based on the potential for specific risks or opportunities to materialize over the next 12-24 months.", "expected_response_format": "A rating outlook with a brief justification." }, { "task_id": "RR03", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "rating_recommendation", "section_name": "Rating Recommendation", "section_description": "This is the final, actionable output. It includes the recommended rating, a forward-looking outlook, and a concise rationale. The outlook (Stable, Positive, Negative) is a critical component, communicating the likely direction of the rating over the next 12-24 months and is based on the potential for identified risks or opportunities to materialize.", "prompt_text": "Write a concise rating rationale (2-3 paragraphs) summarizing the key credit strengths and weaknesses that support the final rating and outlook.", "expected_response_format": "A well-structured narrative summarizing the core credit story." }, { "task_id": "CRG01", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "credit_report_generation", "section_name": "Credit Report Generation", "section_description": "This final object provides prompts to assemble the full narrative report from the preceding analytical components, ensuring a professional and comprehensive final deliverable consistent with industry standards.", "prompt_text": "Assemble an executive summary that includes the final rating recommendation, outlook, and a high-level overview of the business and financial risk profiles and key credit considerations.", "expected_response_format": "A 1-page executive summary narrative." }, { "task_id": "CRG02", "stage_id": "synthesis_rating_reporting", "stage_name": "V. Synthesis, Rating, and Reporting", "section_id": "credit_report_generation", "section_name": "Credit Report Generation", "section_description": "This final object provides prompts to assemble the full narrative report from the preceding analytical components, ensuring a professional and comprehensive final deliverable consistent with industry standards.", "prompt_text": "Compile the full, detailed credit report by sequencing the narrative outputs from all preceding analytical sections in a logical, professional format.", "expected_response_format": "A single, comprehensive document containing the full analysis." } ] }, { "prompt_id": "executive_summary", "prompt_title": "Executive Summary", "description": "Provide a concise overview of the assessment, including the assigned (or proposed) credit rating, key rating drivers, and outlook.", "prompts": [ { "task_id": "ES-01", "prompt_text": "Assign a credit rating (e.g., AAA, BB+, etc.).", "expected_response_format": "String." }, { "task_id": "ES-02", "prompt_text": "Assign a rating outlook (e.g., Stable, Positive, Negative, Developing).", "expected_response_format": "String." }, { "task_id": "ES-03", "prompt_text": "Summarize the key positive and negative factors influencing the rating.", "expected_response_format": "Narrative." } ] }, { "prompt_id": "business_risk_assessment", "prompt_title": "Business Risk Assessment", "description": "Analyze the company's qualitative business risk factors.", "prompts": [ { "task_id": "BRA-01", "prompt_text": "Assess the quality and strategy of the management team.", "expected_response_format": "Narrative." }, { "task_id": "BRA-02", "prompt_text": "Analyze the company's operating efficiency.", "expected_response_format": "Narrative." } ] }, { "prompt_id": "financial_risk_assessment", "prompt_title": "Financial Risk Assessment", "description": "Conduct a detailed analysis of the company's financial profile using historical and projected financial data.", "prompts": [ { "task_id": "FRA-P-01", "prompt_text": "Analyze the company's profitability and cash flow.", "expected_response_format": "Narrative with supporting data." }, { "task_id": "FRA-L-01", "prompt_text": "Analyze the company's leverage and capital structure.", "expected_response_format": "Narrative with supporting data." }, { "task_id": "FRA-L-02", "prompt_text": "Analyze the company's liquidity and financial flexibility.", "expected_response_format": "Narrative with supporting data." } ] }, { "prompt_id": "executive_summary", "prompt_title": "Executive Summary", "description": "Provide a concise overview of the crypto asset, its key features, investment thesis (or utility case), and a summary of its potential and risks.", "prompts": [ { "task_id": "ES-01", "prompt_text": "What is the primary purpose/use case of the asset?", "expected_response_format": "Narrative." }, { "task_id": "ES-02", "prompt_text": "What are the major risks and concerns?", "expected_response_format": "Narrative." } ] }, { "prompt_id": "tokenomics_and_economic_model", "prompt_title": "Tokenomics and Economic Model", "description": "Analyze the economic model and token distribution of the crypto asset.", "prompts": [ { "task_id": "TOKEN-01", "prompt_text": "What is the total supply and circulating supply?", "expected_response_format": "JSON object with keys 'total_supply' and 'circulating_supply'." }, { "task_id": "TOKEN-02", "prompt_text": "What is the token distribution and vesting schedule?", "expected_response_format": "Narrative with supporting data." } ] }, { "prompt_id": "risk_assessment_and_challenges", "prompt_title": "Risk Assessment and Challenges", "description": "Identify and analyze significant risks and challenges associated with the crypto asset.", "prompts": [ { "task_id": "RISK-01", "prompt_text": "What are the technological risks (e.g., smart contract vulnerabilities, network attacks, scalability issues)?", "expected_response_format": "Narrative." }, { "task_id": "RISK-02", "prompt_text": "What are the market risks (e.g., price volatility, liquidity crises, sentiment shifts)?", "expected_response_format": "Narrative." }, { "task_id": "RISK-03", "prompt_text": "What are the regulatory risks and legal uncertainties in key jurisdictions?", "expected_response_format": "Narrative." } ] }, { "prompt_id": "market_snapshot_previous_close", "prompt_title": "Market Snapshot - Previous Day Close", "description": "Summarize the performance of key indices and asset classes from the previous trading session.", "prompts": [ { "task_id": "MS-01", "prompt_text": "Provide the closing value and % change for major Equity Indices (e.g., S&P 500, Dow, Nasdaq, FTSE 100, DAX, Nikkei 225).", "expected_response_format": "Table or list." }, { "task_id": "MS-02", "prompt_text": "Provide the yield and bps change for key government bonds (e.g., US 10-Year Treasury).", "expected_response_format": "Table or list." }, { "task_id": "MS-03", "prompt_text": "Provide the price and % change for key commodities (e.g., WTI Crude, Brent Crude, Gold, Copper).", "expected_response_format": "Table or list." } ] }, { "prompt_id": "top_market_news_previous_day", "prompt_title": "Top Market News - Previous Day", "description": "Highlight 3-5 key news items that significantly influenced market movements or sentiment during the previous trading day.", "prompts": [ { "task_id": "NEWS-01", "prompt_text": "List the top 3-5 news items from the previous day and their market impact.", "expected_response_format": "List of narratives." } ] }, { "prompt_id": "key_economic_events_today", "prompt_title": "Key Economic Events & Data Releases - Today", "description": "List major economic data releases, central bank announcements, or other significant events scheduled for the current trading day.", "prompts": [ { "task_id": "EVENTS-01", "prompt_text": "List the major economic events and data releases for today, including consensus expectations.", "expected_response_format": "Table or list." } ] }, { "prompt_id": "comprehensive_due_diligence_checklist", "prompt_title": "Comprehensive Due Diligence Checklist", "description": "Generates a comprehensive checklist of items and questions for conducting due diligence on a company, covering business, financial, legal, and management aspects.", "instructions": "Provide a comprehensive checklist of items and questions to consider when conducting due diligence on [Company Name] for a [Potential Transaction type, e.g., loan, investment]. Categorize items for clarity (e.g., Business, Financial, Legal, Management).", "key_considerations": [ "**Business Due Diligence:**", " - Understand business model, products, services, competitive advantages.", " - Market analysis, industry trends, customer concentration, supplier relationships.", " - Operational review: facilities, technology, supply chain.", " - ESG considerations specific to operations.", "**Financial Due Diligence:**", " - Review historical audited and interim financials (quality of earnings, working capital, debt capacity).", " - Analyze financial projections and underlying assumptions.", " - Scrutinize debt structure, terms, covenants, and security.", " - Tax status and compliance.", " - Off-balance sheet items and contingent liabilities.", "**Legal & Regulatory Due Diligence:**", " - Corporate structure, licenses, permits.", " - Material contracts (customer, supplier, debt).", " - Litigation, disputes, and regulatory compliance history.", " - Change of control provisions.", " - Intellectual property rights.", "**Management & Governance Due Diligence:**", " - Background checks and track record of key management.", " - Management team's strategic vision and execution capabilities.", " - Organizational structure and internal controls.", " - Board composition and effectiveness.", " - Related party transactions.", "**Collateral Due Diligence (if secured):**", " - Appraisals, valuations, perfection of liens." ], "output_format_suggestion": "Categorized checklist with specific questions or information requests for each item." }, { "prompt_id": "financial_due_diligence", "prompt_title": "Financial Due Diligence", "description": "Generates a detailed checklist for conducting financial due diligence on a company.", "instructions": "Provide a detailed checklist of items and questions to consider when conducting financial due diligence on [Company Name].", "key_considerations": [ "**Historical Financial Performance:**", " - Review of audited financial statements for the last 3-5 years.", " - Analysis of revenue recognition policies and trends.", " - Gross margin and operating margin analysis.", " - Identification of non-recurring or unusual items.", "**Financial Projections:**", " - Review of management's financial projections and underlying assumptions.", " - Sensitivity analysis on key drivers.", " - Comparison of projections to historical performance and industry benchmarks.", "**Working Capital:**", " - Analysis of historical working capital trends.", " - Detailed review of accounts receivable and inventory.", " - Assessment of accounts payable and accrued expenses.", "**Debt and Liabilities:**", " - Detailed schedule of all outstanding debt, including terms and covenants.", " - Review of off-balance sheet financing arrangements.", " - Assessment of contingent liabilities, such as litigation or environmental issues." ], "output_format_suggestion": "Categorized checklist with specific questions or information requests for each item." }, { "prompt_id": "operational_due_diligence", "prompt_title": "Operational Due Diligence", "description": "Generates a detailed checklist for conducting operational due diligence on a company.", "instructions": "Provide a detailed checklist of items and questions to consider when conducting operational due diligence on [Company Name].", "key_considerations": [ "**Sales and Marketing:**", " - Analysis of sales and marketing strategy and effectiveness.", " - Review of customer concentration and churn.", " - Assessment of sales pipeline and forecasting accuracy.", "**Supply Chain and Manufacturing:**", " - Review of key supplier relationships and contracts.", " - Analysis of manufacturing processes and capacity.", " - Assessment of inventory management and logistics.", "**Technology and IT Infrastructure:**", " - Review of proprietary technology and intellectual property.", " - Assessment of IT infrastructure, including scalability and security.", " - Analysis of software and systems used in the business." ], "output_format_suggestion": "Categorized checklist with specific questions or information requests for each item." }, { "prompt_id": "legal_due_diligence", "prompt_title": "Legal Due Diligence", "description": "Generates a detailed checklist for conducting legal due diligence on a company.", "instructions": "Provide a detailed checklist of items and questions to consider when conducting legal due diligence on [Company Name].", "key_considerations": [ "**Corporate Structure and Governance:**", " - Review of articles of incorporation, bylaws, and other organizational documents.", " - Analysis of board and shareholder minutes.", " - Assessment of compliance with corporate formalities.", "**Contracts and Agreements:**", " - Review of material contracts with customers, suppliers, and partners.", " - Analysis of loan agreements, leases, and other financing arrangements.", " - Assessment of change of control provisions.", "**Litigation and Compliance:**", " - Review of any pending or threatened litigation.", " - Analysis of compliance with applicable laws and regulations.", " - Assessment of environmental, health, and safety matters." ], "output_format_suggestion": "Categorized checklist with specific questions or information requests for each item." }, { "prompt_id": "esg_investment_opportunity_scan", "prompt_title": "ESG Investment Opportunity Scan", "description": "A prompt to identify and analyze investment opportunities related to specific Environmental, Social, and Governance (ESG) themes or UN Sustainable Development Goals (SDGs).", "prompts": [ { "task_id": "esg_theme_sdg_overview", "prompt_text": "Detail the specified ESG theme or UN Sustainable Development Goal." }, { "task_id": "investment_thesis", "prompt_text": "Articulate the core reasons why investing in this ESG theme/SDG is attractive from both an impact and financial perspective." }, { "task_id": "key_opportunity_areas_sub_themes", "prompt_text": "Identify and analyze specific sub-themes, sectors, or technologies that offer investment opportunities within the broader ESG theme/SDG." }, { "task_id": "exemplar_companies_projects", "prompt_text": "Provide a few examples of existing companies, projects, or investment funds that are active and successful in the identified opportunity areas. (This is for illustration, not direct investment advice)." }, { "task_id": "financial_viability_return_potential", "prompt_text": "Assess the potential financial returns and viability of investments in this area." }, { "task_id": "impact_measurement_metrics", "prompt_text": "Discuss how the positive impact of investments in this theme/SDG can be measured and reported." }, { "task_id": "risks_challenges_mitigation", "prompt_text": "Identify potential risks and challenges associated with investing in this ESG theme/SDG." } ] }, { "prompt_id": "esg_theme_sdg_overview", "prompt_title": "Overview of ESG Theme/SDG", "description": "Detail the specified ESG theme or UN Sustainable Development Goal.", "prompts": [ { "task_id": "ESG-O-01", "prompt_text": "Define and scope the theme/SDG.", "expected_response_format": "Narrative." }, { "task_id": "ESG-O-02", "prompt_text": "Describe the current global status, challenges, and gaps related to the theme/SDG.", "expected_response_format": "Narrative." } ] }, { "prompt_id": "investment_thesis", "prompt_title": "Investment Thesis", "description": "Articulate the core reasons why investing in this ESG theme/SDG is attractive from both an impact and financial perspective.", "prompts": [ { "task_id": "IT-01", "prompt_text": "Explain the alignment with long-term societal and environmental needs.", "expected_response_format": "Narrative." }, { "task_id": "IT-02", "prompt_text": "Explain the potential for generating competitive financial returns alongside positive impact.", "expected_response_format": "Narrative." } ] }, { "prompt_id": "risks_challenges_mitigation", "prompt_title": "Risks, Challenges, and Mitigation", "description": "Identify potential risks and challenges associated with investing in this ESG theme/SDG.", "prompts": [ { "task_id": "RCM-01", "prompt_text": "Identify policy and regulatory risks.", "expected_response_format": "Narrative." }, { "task_id": "RCM-02", "prompt_text": "Identify technological risks (e.g., unproven technologies).", "expected_response_format": "Narrative." } ] }, { "prompt_id": "executive_summary_and_strategy", "prompt_title": "Executive Summary and Strategy", "description": "Prompts focusing on the high-level vision, strategic positioning, and business value of the FDT.", "prompts": [ { "task_id": "FDT-ES-01", "prompt_text": "Draft a concise executive summary for a strategic blueprint on implementing a **Financial Digital Twin (FDT)** for lending operations. The summary must cover: 1. The Problem: The challenges of the modern financial landscape (volatility, competition) and the limitations of traditional, siloed data systems in lending. 2. The Solution: The vision of the FDT as a living, virtual replica of the lending ecosystem, moving the institution from reactive reporting to predictive foresight. 3. Core Capabilities: Mention real-time simulation, predictive risk analysis, automated compliance, and hyper-personalized products. 4. The Architecture: Briefly describe the hybrid architecture centered on a knowledge graph and powered by an agentic framework. 5. The Roadmap & ROI: Reference a phased, three-year implementation plan and state the projected business outcomes, such as a 10-15% reduction in credit losses, 80% automation of regulatory reporting, and a 5% increase in loan origination.", "expected_response_format": "Narrative." }, { "task_id": "FDT-ES-02", "prompt_text": "Explain the strategic imperative for a financial institution to transition from a traditional lending operation to an 'Intelligent Lending Ecosystem.' Your explanation should: 1. Describe the evolving risk landscape, including market volatility, geopolitical risks, and sophisticated fraud. 2. Highlight the competitive pressures from agile FinTech companies. 3. Critique the traditional, siloed approach to data management (LOS, servicing, risk systems) and explain how it leads to a reactive, backward-looking risk posture.", "expected_response_format": "Narrative." } ] }, { "prompt_id": "semantic_foundation_and_data_modeling", "prompt_title": "Semantic Foundation and Data Modeling", "description": "Prompts related to creating the 'common language' for the FDT using ontologies and knowledge graphs.", "prompts": [ { "task_id": "FDT-SF-01", "prompt_text": "Explain why a **Knowledge Graph** is the ideal semantic core for a Financial Digital Twin, as opposed to a traditional relational database. Your explanation should cover: 1. How knowledge graphs model data as a network of entities (nodes) and relationships (edges). 2. The inefficiency of using complex `JOIN` operations in relational databases to model the interconnected nature of lending (borrower, loan, collateral, guarantor). 3. The knowledge graph's native ability to perform rapid, multi-hop reasoning to uncover hidden risks and complex connections.", "expected_response_format": "Narrative." }, { "task_id": "FDT-SF-02", "prompt_text": "Design a proprietary ontology extension for lending operations that builds upon the **Financial Industry Business Ontology (FIBO)**. 1. State the purpose: to model concepts specific to our lending business not covered in the general FIBO standard. 2. Outline the methodical development process: identify core concepts, define properties, and link them to the FIBO hierarchy. 3. Provide a concrete code example in Turtle (`.ttl`) format that defines a `lending:LoanCovenant` class as a subclass of a relevant FIBO class and an object property `lending:violatesCovenant`.", "expected_response_format": "Narrative with a code block." } ] }, { "prompt_id": "architecture_and_technology_stack", "prompt_title": "Architecture and Technology Stack", "description": "Prompts designed to generate detailed technical specifications for the FDT platform.", "prompts": [ { "task_id": "FDT-ATS-01", "prompt_text": "Design the architecture for the FDT's **converged data platform**, which combines a data lakehouse with a specialized serving layer. 1. Describe the **Foundation Layer**: A data lakehouse (e.g., Databricks on S3/ADLS) and its role as the cost-effective, comprehensive system of record with ACID compliance. 2. Describe the **Serving Layer** and its 'polyglot persistence' approach. Detail the purpose of each specialized database: * **Graph Database (e.g., Neo4j):** For the core FDT knowledge graph and relationship analysis. * **Time-Series Database (e.g., TimescaleDB):** For high-frequency market data. * **Search Index (e.g., OpenSearch):** For unstructured text data like documents and news.", "expected_response_format": "Narrative." }, { "task_id": "FDT-ATS-02", "prompt_text": "Provide a detailed comparison of leading enterprise graph databases: **Neo4j, TigerGraph, and Amazon Neptune.** 1. Present the comparison in a markdown table, evaluating features like Data Model, Query Language, Scalability Model, Native Graph Data Science capabilities, and Security. 2. Conclude with a specific recommendation for the FDT, justifying the choice based on factors like ecosystem maturity, query language intuition, and the comprehensiveness of its data science library.", "expected_response_format": "Markdown table with a narrative recommendation." } ] }, { "prompt_id": "ai_agents_and_analytics", "prompt_title": "AI Agents and Analytics", "description": "Prompts for the intelligent layer of the FDT, including AI agents, machine learning, and natural language interfaces.", "prompts": [ { "task_id": "FDT-AAA-01", "prompt_text": "Design a **multi-agent system** to power the FDT's intelligent automation. 1. Explain the shift from monolithic applications to a collaborative system of autonomous AI agents. 2. Define the core **agent personas** and their specific responsibilities: * **Credit Risk Agent:** Monitors portfolio credit quality. * **Fraud Detection Agent:** Uses GNNs to find fraud rings. * **Compliance Agent:** Screens against watchlists and monitors for SAR triggers. * **Market Intelligence Agent:** Analyzes unstructured news and market data. * **Query Agent:** Provides the natural language interface. 3. Describe how these agents would collaborate using a 'Supervisor' agent pattern to answer a complex user query, such as: 'Show me our highest-risk loans exposed to the recent downturn in commercial real estate.'", "expected_response_format": "Narrative." }, { "task_id": "FDT-AAA-02", "prompt_text": "Explain the architecture and workflow of a **Text-to-Cypher** engine that serves as the FDT's natural language interface. The process should include: 1. **Schema-Aware Prompting:** How the system provides the graph's schema to an LLM as context. 2. **Few-Shot Learning:** How example question/query pairs are used to improve accuracy. 3. **LLM-Powered Translation:** The role of the LLM (e.g., GPT-4o) in generating the Cypher query. 4. **Secure Execution:** The critical step of executing the generated query in the database (not the LLM) to enforce user permissions. 5. **Synthesized Response:** How the LLM synthesizes the structured data from the query result into a human-readable answer.", "expected_response_format": "Narrative." } ] }, { "prompt_id": "specialized_tasks", "prompt_title": "Specialized Tasks", "description": "A collection of specialized, reusable prompts for different automated tasks within the financial intelligence system.", "prompts": [ { "task_id": "ST-RA-01", "prompt_text": "Given a company [Company Name], perform a contagion analysis. Identify all direct loan guarantees, key executives who are also on the boards of other portfolio companies, and major investors who also hold positions in other high-risk securities. Synthesize the top 3 contagion vectors.", "expected_response_format": "Narrative with a list of contagion vectors." }, { "task_id": "ST-EI-01", "prompt_text": "You will be given the text of a new SEC 8-K filing. Read the text and extract the key entities (companies, people), events (e.g., acquisition, executive departure), and dates. Format the output as a JSON object ready to be validated and inserted into the knowledge graph.", "expected_response_format": "JSON object." }, { "task_id": "ST-ES-01", "prompt_text": "You are given a JSON object containing the results of a complex graph query. Synthesize this data into a three-bullet-point summary for a senior risk officer. Focus on the most critical findings and required actions.", "expected_response_format": "Narrative with three bullet points." } ] }, { "prompt_id": "fibo_company_instance_generation", "prompt_title": "Generate FIBO Company Instance", "description": "A prompt to research a specific public company and generate a detailed, FIBO-compliant data instance representing its corporate structure, key personnel, and financial footprint.", "prompts": [ { "task_id": "FIBO-CI-01", "prompt_text": "You are an expert financial data analyst and semantic modeler specializing in the Financial Industry Business Ontology (FIBO). Your task is to research a specific public company and generate a detailed, FIBO-compliant data instance representing its corporate structure, key personnel, and financial footprint. The output must be in JSON-LD format, a standard for linked data. Ingest the provided `company_identifier`. Use your data retrieval tools to gather comprehensive, publicly available information about the company. This must include its full legal name, its LEI, its headquarters address, its top two executives (CEO and CFO), and at least one security (stock or bond) it has issued. Map the gathered information to the corresponding FIBO classes and properties. Construct a JSON-LD object that represents the company and its related entities as a graph of nodes. Ensure the `@context` of the JSON-LD correctly references the official FIBO namespaces to provide semantic meaning. The final output should contain a `@graph` array with separate JSON objects for the `LegalEntity`, at least two `NaturalPerson` (executives), and at least one `Security`.", "expected_response_format": "A JSON-LD object with a `@graph` array containing FIBO-compliant data." } ] }, { "prompt_id": "geopolitical_event_overview", "prompt_title": "Geopolitical Event/Trend Overview", "description": "Detail the specified geopolitical event or trend.", "prompts": [ { "task_id": "GEO-O-01", "prompt_text": "Describe the background and context of the event/trend.", "expected_response_format": "Narrative." }, { "task_id": "GEO-O-02", "prompt_text": "Identify the key actors involved and their motivations/objectives.", "expected_response_format": "Narrative." } ] }, { "prompt_id": "transmission_channels", "prompt_title": "Transmission Channels to Markets/Regions", "description": "Identify and analyze the mechanisms through which the geopolitical event impacts the specified asset classes or regions.", "prompts": [ { "task_id": "TC-01", "prompt_text": "Identify the economic channels (e.g., trade disruptions, sanctions, commodity price shocks, investment flows, inflation).", "expected_response_format": "Narrative." }, { "task_id": "TC-02", "prompt_text": "Identify the financial market channels (e.g., investor sentiment, risk premia, currency volatility, capital flight).", "expected_response_format": "Narrative." } ] }, { "prompt_id": "risk_mitigation_strategies", "prompt_title": "Potential Risk Mitigation Strategies", "description": "Suggest potential strategies that investors or businesses could consider to mitigate the identified risks.", "prompts": [ { "task_id": "RMS-01", "prompt_text": "Suggest hedging strategies (e.g., currency hedges, commodity hedges, options).", "expected_response_format": "Narrative." }, { "task_id": "RMS-02", "prompt_text": "Suggest asset allocation adjustments (e.g., diversification, underweighting exposed assets).", "expected_response_format": "Narrative." } ] }, { "prompt_id": "system_meta_prompt", "prompt_title": "System Meta-Prompt for Intelligent Credit Monitoring Copilot", "description": "This is a meta-prompt that defines the core behavior and governance of an entire AI system or copilot.", "prompts": [ { "task_id": "META-01", "prompt_text": "You are CreditSentry, an expert AI copilot system designed exclusively for use within [Financial Institution Name]. Your primary mission is to augment the capabilities of our credit professionals in the analysis, underwriting, and continuous monitoring of our credit portfolio. You will operate with the highest standards of diligence, objectivity, and risk awareness at all times. You are an assistant, not a replacement. All final credit decisions, risk assessments, and client-facing actions are made by authorized human personnel. Your outputs are recommendations and analyses to support these human decisions. You have access to a specialized team of agents. You MUST delegate tasks to the appropriate agent(s) based on the user's query and the protocols below. You must operate within the non-negotiable constraints derived directly from [Financial Institution Name]'s internal policies. All data, calculations, and inferences you generate MUST be structured and tagged with the mandatory metadata. This is non-negotiable and critical for auditability and system integrity.", "expected_response_format": "The AI system should adhere to the persona, protocols, and constraints defined in the prompt." } ] }, { "prompt_id": "interactive_feedback_review", "prompt_title": "Interactive Feedback and Review Session", "description": "A prompt to facilitate a conversational review of an agent's work product, allowing a user to provide feedback for refinement.", "prompts": [ { "task_id": "IFR-01", "prompt_text": "You are a quality assurance assistant. Your purpose is to present an agent's work product to a user and guide them through a structured feedback session. Your goal is to capture specific, actionable feedback that can be used to refine the agent's performance. Present the agent's output clearly. Ask specific questions to elicit detailed feedback. Be polite and thank the user for their input.", "expected_response_format": "A conversational interaction with the user to gather feedback on an agent's work product." } ] }, { "prompt_id": "interactive_workflow_definition", "prompt_title": "Interactive Workflow Definition", "description": "A prompt to guide a user through the process of defining a new workflow for the CreditSentry system.", "prompts": [ { "task_id": "IWD-01", "prompt_text": "You are a workflow design assistant. Your purpose is to help a user define a new automated workflow by asking them a series of questions. You will then summarize their answers into a structured workflow definition. Guide the user step-by-step. Do not overwhelm them with all questions at once. Ask one question at a time, wait for their response, and then proceed to the next question. Once all information is gathered, present a summary for their final approval.", "expected_response_format": "A conversational interaction with the user to define a new workflow." } ] }, { "prompt_id": "macroeconomic_theme_analysis", "prompt_title": "Detailed Analysis of Macroeconomic Theme", "description": "Provide an in-depth analysis of the specified macroeconomic theme.", "prompts": [ { "task_id": "MTA-01", "prompt_text": "Describe the origins and drivers of the theme.", "expected_response_format": "Narrative." }, { "task_id": "MTA-02", "prompt_text": "Describe the current state and expected evolution over the specified time horizon.", "expected_response_format": "Narrative with supporting data." } ] }, { "prompt_id": "investment_implications_of_the_theme", "prompt_title": "Investment Implications of the Theme", "description": "Analyze how the macroeconomic theme is likely to affect various asset classes, sectors, and investment factors.", "prompts": [ { "task_id": "II-01", "prompt_text": "Analyze the impact on Equities: specific sectors likely to benefit or suffer, implications for growth vs. value, large-cap vs. small-cap, domestic vs. international.", "expected_response_format": "Narrative." }, { "task_id": "II-02", "prompt_text": "Analyze the impact on Fixed Income: implications for interest rates, credit spreads, inflation-linked bonds, duration preferences.", "expected_response_format": "Narrative." } ] }, { "prompt_id": "risk_factors_for_the_strategy", "prompt_title": "Risk Factors for the Strategy", "description": "Identify and discuss key risks specifically associated with implementing this thematic strategy.", "prompts": [ { "task_id": "RFS-01", "prompt_text": "Identify the risk that the macroeconomic theme does not unfold as anticipated (timing, magnitude).", "expected_response_format": "Narrative." }, { "task_id": "RFS-02", "prompt_text": "Identify the valuation risk (i.e., theme is already priced in by the market).", "expected_response_format": "Narrative." } ] }, { "prompt_id": "daily_market_briefing", "prompt_title": "Daily Market Briefing", "description": "A prompt to generate a concise daily market briefing summarizing key market movements, news, and upcoming events.", "prompts": [ { "task_id": "market_snapshot_previous_close", "prompt_text": "Summarize the performance of key indices and asset classes from the previous trading session." }, { "task_id": "top_market_news_previous_day", "prompt_text": "Highlight 3-5 key news items that significantly influenced market movements or sentiment during the previous trading day." }, { "task_id": "sector_performance_highlights", "prompt_text": "Identify best and worst-performing sectors from the previous trading day." }, { "task_id": "pre_market_update_current_day", "prompt_text": "Provide an overview of pre-market activity for the current trading day." }, { "task_id": "key_economic_events_today", "prompt_text": "List major economic data releases, central bank announcements, or other significant events scheduled for the current trading day." }, { "task_id": "upcoming_earnings_reports", "prompt_text": "List key companies scheduled to report earnings today (after market close) or tomorrow (before market open)." }, { "task_id": "market_outlook_commentary", "prompt_text": "Provide a very brief (1-2 sentences) outlook or highlight key themes expected to influence trading today." } ] }, { "prompt_id": "sector_deep_dive_report", "prompt_title": "Sector Deep Dive Report", "description": "A prompt to generate a comprehensive deep-dive report on a specific industry sector.", "prompts": [ { "task_id": "executive_summary", "prompt_text": "Provide a concise overview of the sector, its key trends, growth drivers, major risks, and overall outlook." }, { "task_id": "sector_overview_structure", "prompt_text": "Describe the sector's composition, key segments, and value chain." }, { "task_id": "key_growth_drivers", "prompt_text": "Identify and analyze the primary factors driving growth in the sector." }, { "task_id": "competitive_landscape_key_players", "prompt_text": "Analyze the competitive dynamics and profile major companies in the sector." }, { "task_id": "technological_innovation_trends", "prompt_text": "Detail key technological trends and innovations shaping the sector." }, { "task_id": "regulatory_policy_environment", "prompt_text": "Assess the impact of current and potential regulations and government policies." }, { "task_id": "key_risks_challenges", "prompt_text": "Identify and analyze significant risks and challenges facing the sector." }, { "task_id": "investment_outlook_opportunities", "prompt_text": "Provide an outlook for investment in the sector, highlighting specific opportunities." } ] }, { "prompt_id": "geopolitical_risk_impact_assessment", "prompt_title": "Geopolitical Risk Impact Assessment", "description": "A prompt to generate an assessment of the potential impact of a specific geopolitical event or trend on given asset classes or regions.", "prompts": [ { "task_id": "geopolitical_event_overview", "prompt_text": "Detail the specified geopolitical event or trend." }, { "task_id": "transmission_channels", "prompt_text": "Identify and analyze the mechanisms through which the geopolitical event impacts the specified asset classes or regions." }, { "task_id": "impact_assessment_asset_region", "prompt_text": "Analyze the potential direct and indirect impacts on each specified asset class or region across different time horizons. Consider different scenarios if outlined." }, { "task_id": "scenario_analysis", "prompt_text": "If multiple credible scenarios for the geopolitical event's evolution exist, detail the impact under each scenario." }, { "task_id": "risk_mitigation_strategies", "prompt_text": "Suggest potential strategies that investors or businesses could consider to mitigate the identified risks." }, { "task_id": "monitoring_indicators", "prompt_text": "List key indicators or signposts that should be monitored to track the evolution of the geopolitical event and its impacts." } ] }, { "prompt_id": "market_shock_scenario_analysis", "prompt_title": "Market Shock Scenario Analysis", "description": "A prompt to analyze the potential impact of a specified market shock event on various asset classes, sectors, or a specific portfolio.", "prompts": [ { "task_id": "market_shock_scenario_definition", "prompt_text": "Clearly define the parameters and assumptions of the market shock event." }, { "task_id": "transmission_mechanisms", "prompt_text": "Analyze how the shock event is expected to propagate through the financial system and real economy to affect the target assets/portfolio." }, { "task_id": "impact_analysis_target", "prompt_text": "Detail the anticipated impacts across different time horizons. Consider a base case impact, and potentially best/worst case qualitative variations." }, { "task_id": "sector_asset_class_differentiation", "prompt_text": "If the target is broad (e.g., 'Global Equity Markets'), analyze which sectors or sub-asset classes are likely to be most and least affected." }, { "task_id": "portfolio_implications_stress_test", "prompt_text": "Analyze how the shock would specifically affect a given (model or actual) portfolio." }, { "task_id": "potential_responses_mitigation_strategies", "prompt_text": "Discuss potential actions that could be taken before, during, or after such a shock to mitigate negative impacts or capitalize on dislocations." } ] }, { "prompt_id": "macroeconomic_themed_investment_strategy", "prompt_title": "Macroeconomic Themed Investment Strategy", "description": "A prompt to generate an investment strategy based on a specific macroeconomic theme (e.g., 'Rising Inflation', 'Aging Population', 'Energy Transition', 'Deglobalization').", "prompts": [ { "task_id": "macroeconomic_theme_analysis", "prompt_text": "Provide an in-depth analysis of the specified macroeconomic theme." }, { "task_id": "investment_implications_of_the_theme", "prompt_text": "Analyze how the macroeconomic theme is likely to affect various asset classes, sectors, and investment factors." }, { "task_id": "proposed_investment_strategy", "prompt_text": "Outline a specific investment strategy designed to capitalize on the theme or mitigate its risks." }, { "task_id": "risk_factors_for_the_strategy", "prompt_text": "Identify and discuss key risks specifically associated with implementing this thematic strategy." }, { "task_id": "implementation_and_monitoring", "prompt_text": "Provide guidance on how the strategy could be implemented and monitored." } ] }, { "prompt_id": "market_shock_scenario_definition", "prompt_title": "Market Shock Scenario Definition", "description": "Clearly define the parameters and assumptions of the market shock event.", "prompts": [ { "task_id": "MSSD-01", "prompt_text": "Define the nature of the shock (e.g., supply-side, demand-side, financial contagion, policy-induced).", "expected_response_format": "Narrative." }, { "task_id": "MSSD-02", "prompt_text": "Define the assumed magnitude and duration of the initial shock.", "expected_response_format": "Narrative." } ] }, { "prompt_id": "transmission_mechanisms", "prompt_title": "Transmission Mechanisms", "description": "Analyze how the shock event is expected to propagate through the financial system and real economy to affect the target assets/portfolio.", "prompts": [ { "task_id": "TM-01", "prompt_text": "Analyze the direct impacts (e.g., immediate price changes for affected commodities).", "expected_response_format": "Narrative." }, { "task_id": "TM-02", "prompt_text": "Analyze the indirect impacts (e.g., second-order effects on consumer confidence, business investment, credit conditions).", "expected_response_format": "Narrative." } ] }, { "prompt_id": "potential_responses_mitigation_strategies", "prompt_title": "Potential Responses and Mitigation Strategies", "description": "Discuss potential actions that could be taken before, during, or after such a shock to mitigate negative impacts or capitalize on dislocations.", "prompts": [ { "task_id": "PRMS-01", "prompt_text": "Discuss pre-emptive measures (e.g., strategic asset allocation adjustments, hedging programs, building liquidity).", "expected_response_format": "Narrative." }, { "task_id": "PRMS-02", "prompt_text": "Discuss tactical responses during the shock (e.g., rebalancing, tax-loss harvesting, opportunistic buying).", "expected_response_format": "Narrative." } ] }, { "prompt_id": "odyssey_strategic_risk_orchestrator", "prompt_title": "Odyssey Strategic Risk Orchestrator", "description": "A meta-level AI orchestrator that synthesizes outputs from multiple specialized AI agents and human experts to provide strategic recommendations to senior leadership.", "prompts": [ { "task_id": "OSRO-01", "prompt_text": "You are \"Odyssey,\" a meta-level AI orchestrator. Your purpose is not to perform ground-level analysis but to synthesize the outputs of multiple specialized AI agents and human experts. You serve as a strategic counsel to the Chief Risk Officer (CRO) and the firm's executive committee. Your expertise lies in portfolio theory, second-order risk identification, strategic alignment, and the synthesis of conflicting, multi-domain information. You are calm, objective, and your primary function is to reveal the holistic risk/reward landscape of a major strategic decision. Your primary output is a \"Strategic Synthesis Brief.\" You must deconflict and integrate analyses from various sources, assess the proposed action against the firm's long-term strategic mandate, and highlight potential blind spots or cascading risks that individual agents may have missed. Your language must be suitable for an executive audience\u2014prioritizing clarity, strategic implication, and actionable recommendations over granular detail.", "expected_response_format": "A 'Strategic Synthesis Brief' that provides a holistic view of a strategic decision, including a recommendation, conviction level, and analysis of consensus, contention, and second-order risks." } ] }, { "prompt_id": "investor_profile_and_objectives", "prompt_title": "Investor Profile and Objectives", "description": "Define the investor's characteristics, goals, and constraints.", "prompts": [ { "task_id": "IPO-01", "prompt_text": "What is the primary investment objective?", "expected_response_format": "String from a list of options." }, { "task_id": "IPO-02", "prompt_text": "What is the investor's risk tolerance?", "expected_response_format": "String from a list of options." } ] }, { "prompt_id": "methodology_and_assumptions", "prompt_title": "Optimization Methodology and Assumptions", "description": "Describe the portfolio optimization approach used and any key assumptions made.", "prompts": [ { "task_id": "MAA-01", "prompt_text": "Describe the chosen optimization model (e.g., Mean-Variance, Black-Litterman).", "expected_response_format": "Narrative." }, { "task_id": "MAA-02", "prompt_text": "What is the source of expected returns, risk (volatility), and correlation estimates for asset classes/assets?", "expected_response_format": "Narrative." } ] }, { "prompt_id": "risks_and_limitations", "prompt_title": "Risks and Limitations", "description": "Clearly outline the risks associated with the proposed portfolio and the limitations of the optimization process.", "prompts": [ { "task_id": "RAL-01", "prompt_text": "What are the general market risks?", "expected_response_format": "Narrative." }, { "task_id": "RAL-02", "prompt_text": "What are the limitations of historical data in predicting future performance?", "expected_response_format": "Narrative." } ] }, { "prompt_id": "regulatory_rating_analysis", "prompt_title": "Regulatory Rating Analysis", "description": "This section provides a structured approach to determining a regulatory credit rating, focusing on the core principles of repayment capacity and clearly defined weaknesses.", "prompts": [ { "task_id": "RR01", "stage_id": "regulatory_rating", "stage_name": "I. Regulatory Rating Analysis", "section_id": "repayment_source_analysis", "section_name": "Primary Source of Repayment Analysis", "section_description": "Identify and assess the primary source of repayment for the credit facility. The analysis should determine the reliability and sustainability of this source.", "prompt_text": "Identify the primary source of repayment for the credit facility (e.g., operating cash flow, asset conversion, refinancing). Analyze its reliability and sustainability over the next 12-24 months. Is this source of repayment considered sound and dependable?", "expected_response_format": "Narrative analysis identifying the primary repayment source and assessing its reliability with a concluding statement on its soundness." }, { "task_id": "RR02", "stage_id": "regulatory_rating", "stage_name": "I. Regulatory Rating Analysis", "section_id": "cash_flow_adequacy", "section_name": "Cash Flow Adequacy Assessment", "section_description": "Evaluate the company's capacity to generate sufficient cash flow to service all its debt obligations in a timely manner. This is a critical component of the 'Pass' rating criteria.", "prompt_text": "Based on a conservative 'rating case' forecast, assess whether the company's cash flow is sufficient to service all debt obligations (principal and interest) in a timely manner. Provide key supporting ratios (e.g., Debt Service Coverage Ratio, Free Cash Flow to Debt).", "expected_response_format": "Narrative assessment of cash flow adequacy, supported by key quantitative metrics, concluding on whether cash flow is sufficient." }, { "task_id": "RR03", "stage_id": "regulatory_rating", "stage_name": "I. Regulatory Rating Analysis", "section_id": "weakness_identification", "section_name": "Identification of Well-Defined Weaknesses", "section_description": "Identify any 'well-defined weaknesses' that jeopardize the orderly repayment of the debt. The presence of such weaknesses is a key differentiator between 'Pass' and criticized ratings.", "prompt_text": "Identify and describe any well-defined weaknesses that jeopardize the timely repayment of the debt under normal operating conditions. Consider factors such as deteriorating financial trends, covenant breaches, inadequate collateral, or poor management. For each weakness, explain how it directly threatens repayment.", "expected_response_format": "Bulleted list of identified weaknesses, with a clear explanation of their impact on repayment capacity. If no such weaknesses exist, state this explicitly." }, { "task_id": "RR04", "stage_id": "regulatory_rating", "stage_name": "I. Regulatory Rating Analysis", "section_id": "rating_recommendation_synthesis", "section_name": "Rating Recommendation and Justification", "section_description": "Synthesize the analysis of repayment sources, cash flow, and identified weaknesses to assign a final regulatory rating and provide a clear, concise justification.", "prompt_text": "Based on the preceding analysis, recommend a regulatory rating from the following options: 'Pass', 'Special Mention', or 'Substandard'. Provide a concise justification for the recommended rating, directly referencing the findings on repayment sources, cash flow adequacy, and the presence or absence of well-defined weaknesses.", "expected_response_format": "A single rating ('Pass', 'Special Mention', or 'Substandard') followed by a 2-3 paragraph justification narrative that synthesizes the analysis into a final recommendation." } ] }, { "prompt_id": "sector_overview_structure", "prompt_title": "Sector Overview and Structure", "description": "Describe the sector's composition, key segments, and value chain.", "prompts": [ { "task_id": "SOS-01", "prompt_text": "Describe the key sub-sectors and their characteristics.", "expected_response_format": "Narrative." }, { "task_id": "SOS-02", "prompt_text": "Analyze the value chain (e.g., suppliers, manufacturers, distributors, end-users).", "expected_response_format": "Narrative." } ] }, { "prompt_id": "key_growth_drivers", "prompt_title": "Key Growth Drivers", "description": "Identify and analyze the primary factors driving growth in the sector.", "prompts": [ { "task_id": "KGD-01", "prompt_text": "Analyze the impact of technological advancements and innovation.", "expected_response_format": "Narrative." }, { "task_id": "KGD-02", "prompt_text": "Analyze the impact of changing consumer preferences and demographics.", "expected_response_format": "Narrative." } ] }, { "prompt_id": "key_risks_challenges", "prompt_title": "Key Risks and Challenges", "description": "Identify and analyze significant risks and challenges facing the sector.", "prompts": [ { "task_id": "KRC-01", "prompt_text": "Identify economic risks (e.g., recession, inflation).", "expected_response_format": "Narrative." }, { "task_id": "KRC-02", "prompt_text": "Identify technological obsolescence or disruption risks.", "expected_response_format": "Narrative." } ] }, { "prompt_id": "price_chart_analysis", "prompt_title": "Price Chart Analysis", "description": "Analyze price action, chart patterns, and trendlines on the specified timeframes.", "prompts": [ { "task_id": "PCA-01", "prompt_text": "Identify the primary trend, secondary trends, and counter-trends. Use trendlines and channels.", "expected_response_format": "Narrative with chart descriptions." }, { "task_id": "PCA-02", "prompt_text": "Identify key support and resistance levels.", "expected_response_format": "List of price levels with justifications." }, { "task_id": "PCA-03", "prompt_text": "Identify common chart patterns (e.g., Head and Shoulders, Triangles, Flags, Double Tops/Bottoms) and their implications.", "expected_response_format": "Narrative with chart descriptions." } ] }, { "prompt_id": "technical_indicator_analysis", "prompt_title": "Technical Indicator Analysis", "description": "Analyze signals from various technical indicators.", "prompts": [ { "task_id": "TIA-MA-01", "prompt_text": "Analyze signals from moving averages (e.g., 20-period, 50-period, 200-period SMA or EMA).", "expected_response_format": "Narrative." }, { "task_id": "TIA-O-01", "prompt_text": "Analyze signals from oscillators and momentum indicators (e.g., RSI, MACD, Stochastic).", "expected_response_format": "Narrative." } ] }, { "prompt_id": "synthesis_and_trade_setups", "prompt_title": "Synthesis and Potential Trade Setups (Illustrative)", "description": "Combine the analysis from price action, patterns, and indicators to identify potential bullish or bearish scenarios and illustrative trade setups. THIS IS NOT TRADING ADVICE.", "prompts": [ { "task_id": "STS-BULL-01", "prompt_text": "Describe a bullish scenario, including conditions that would support a move higher, potential entry levels, price targets, and stop-loss considerations.", "expected_response_format": "Narrative." }, { "task_id": "STS-BEAR-01", "prompt_text": "Describe a bearish scenario, including conditions that would support a move lower, potential entry levels (for shorting), price targets, and stop-loss considerations.", "expected_response_format": "Narrative." } ] } ] }