{ "schemaVersion": "1.0", "item": { "slug": "loan", "name": "my skills", "source": "tencent", "type": "skill", "category": "数据分析", "sourceUrl": "https://clawhub.ai/prabu12478/loan", "canonicalUrl": "https://clawhub.ai/prabu12478/loan", "targetPlatform": "OpenClaw" }, "install": { "downloadMode": "redirect", "downloadUrl": "/downloads/loan", "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=loan", "sourcePlatform": "tencent", "targetPlatform": "OpenClaw", "installMethod": "Manual import", "extraction": "Extract archive", "prerequisites": [ "OpenClaw" ], "packageFormat": "ZIP package", "includedAssets": [ "skill.md" ], "primaryDoc": "SKILL.md", "quickSetup": [ "Download the package from Yavira.", "Extract the archive and review SKILL.md first.", "Import or place the package into your OpenClaw setup." ], "agentAssist": { "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.", "steps": [ "Download the package from Yavira.", "Extract it into a folder your agent can access.", "Paste one of the prompts below and point your agent at the extracted folder." ], "prompts": [ { "label": "New install", "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete." }, { "label": "Upgrade existing", "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Summarize what changed and any follow-up checks I should run." } ] }, "sourceHealth": { "source": "tencent", "status": "healthy", "reason": "direct_download_ok", "recommendedAction": "download", "checkedAt": "2026-04-23T16:43:11.935Z", "expiresAt": "2026-04-30T16:43:11.935Z", "httpStatus": 200, "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard", "contentType": "application/zip", "probeMethod": "head", "details": { "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard", "contentDisposition": "attachment; filename=\"4claw-imageboard-1.0.1.zip\"", "redirectLocation": null, "bodySnippet": null }, "scope": "source", "summary": "Source download looks usable.", "detail": "Yavira can redirect you to the upstream package for this source.", "primaryActionLabel": "Download for OpenClaw", "primaryActionHref": "/downloads/loan" }, "validation": { "installChecklist": [ "Use the Yavira download entry.", "Review SKILL.md after the package is downloaded.", "Confirm the extracted package contains the expected setup assets." ], "postInstallChecks": [ "Confirm the extracted package includes the expected docs or setup files.", "Validate the skill or prompts are available in your target agent workspace.", "Capture any manual follow-up steps the agent could not complete." ] }, "downloadPageUrl": "https://openagent3.xyz/downloads/loan", "agentPageUrl": "https://openagent3.xyz/skills/loan/agent", "manifestUrl": "https://openagent3.xyz/skills/loan/agent.json", "briefUrl": "https://openagent3.xyz/skills/loan/agent.md" }, "agentAssist": { "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.", "steps": [ "Download the package from Yavira.", "Extract it into a folder your agent can access.", "Paste one of the prompts below and point your agent at the extracted folder." ], "prompts": [ { "label": "New install", "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete." }, { "label": "Upgrade existing", "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Summarize what changed and any follow-up checks I should run." } ] }, "documentation": { "source": "clawhub", "primaryDoc": "SKILL.md", "sections": [ { "title": "Commercial Loan Origination", "body": "I originate commercial real estate and business-purpose loans with a focus on structuring, credit quality, and reliable execution.\n\nDeal Qualification and Sizing\n\nAnalyze borrower and guarantor strength, liquidity, net worth, and global cash flow where relevant\nSize requests using DSCR, LTV/LTC, debt yield, and sensitivity analysis under different rate and occupancy scenarios\nIdentify feasibility issues early and recommend workable structures before underwriting\n\nUnderwriting Package and Financial Analysis\n\nReview and spread financial statements, tax returns, rent rolls, and operating statements\nNormalize income and expenses, assess recurring cash flow, and validate key add-backs\nEvaluate property performance, market story, and sponsor track record to support credit narrative\n\nStructuring and Terms Negotiation\n\nStructure terms across amortization, maturity, covenants, reserves, recourse, and guaranty requirements\nCoordinate appraisals, environmental reports, and third-party due diligence\nSet expectations on conditions, closing requirements, and timeline to avoid last-minute issues" }, { "title": "Construction Loan Origination", "body": "I originate construction and renovation financing by coordinating detailed documentation, controlling risk, and keeping draws and milestones aligned.\n\nBudget, Plans, and Feasibility Review\n\nValidate construction budgets, contractor bids, contingencies, and soft costs\nReview plans, specifications, permits, and timelines for completeness and lender requirements\nAssess borrower capacity to cover overruns and required reserves\n\nLoan Structuring (LTC, LTV, and Interest Reserves)\n\nSize loans using LTC and as-completed LTV and model interest carry and reserve requirements\nStructure draw schedules aligned to inspection milestones and lien waiver processes\nCoordinate with builders, title, and escrow to ensure proper disbursement controls\n\nDraw Management and Risk Controls\n\nEnsure draw packages include invoices, receipts, inspection reports, and lien releases\nTrack change orders and budget variances and escalate issues early\nMaintain proactive communication to keep projects moving and reduce rework" }, { "title": "Reverse Mortgages (HECM) Origination", "body": "I originate reverse mortgages with a strong emphasis on borrower education, compliance, and a high-trust experience.\n\nBorrower Education and Suitability\n\nExplain eligibility, principal limit factors, and how age, rate, and home value affect proceeds\nClarify payment options (lump sum, tenure, term, line of credit) and cash flow impact\nSet clear expectations on ongoing obligations (taxes, insurance, occupancy, maintenance)\n\nCompliance and Documentation Discipline\n\nGuide borrowers through required counseling, disclosures, and timelines\nCollect and validate income/obligation documentation as needed for financial assessment\nCommunicate terms in plain language to reduce confusion and ensure informed decisions\n\nCoordination Through Closing\n\nCoordinate appraisal, title, payoff statements, and closing logistics\nManage conditions efficiently and keep family members or trusted contacts informed when authorized\nEnsure smooth post-closing follow-through and responsiveness to borrower questions" }, { "title": "Process Strengths Across All Loan Types", "body": "Clean file building, condition management, and consistent status updates to stakeholders\nStrong attention to detail on documentation, timelines, and compliance requirements\nConfident communication with borrowers, realtors, builders, CPAs, attorneys, title, and underwriting\nProblem solving on complex scenarios while maintaining a borrower-first experience" } ], "body": "Loan Origination Skills - Commercial, Construction, and Reverse Mortgages\nCommercial Loan Origination\n\nI originate commercial real estate and business-purpose loans with a focus on structuring, credit quality, and reliable execution.\n\nDeal Qualification and Sizing\nAnalyze borrower and guarantor strength, liquidity, net worth, and global cash flow where relevant\nSize requests using DSCR, LTV/LTC, debt yield, and sensitivity analysis under different rate and occupancy scenarios\nIdentify feasibility issues early and recommend workable structures before underwriting\nUnderwriting Package and Financial Analysis\nReview and spread financial statements, tax returns, rent rolls, and operating statements\nNormalize income and expenses, assess recurring cash flow, and validate key add-backs\nEvaluate property performance, market story, and sponsor track record to support credit narrative\nStructuring and Terms Negotiation\nStructure terms across amortization, maturity, covenants, reserves, recourse, and guaranty requirements\nCoordinate appraisals, environmental reports, and third-party due diligence\nSet expectations on conditions, closing requirements, and timeline to avoid last-minute issues\nConstruction Loan Origination\n\nI originate construction and renovation financing by coordinating detailed documentation, controlling risk, and keeping draws and milestones aligned.\n\nBudget, Plans, and Feasibility Review\nValidate construction budgets, contractor bids, contingencies, and soft costs\nReview plans, specifications, permits, and timelines for completeness and lender requirements\nAssess borrower capacity to cover overruns and required reserves\nLoan Structuring (LTC, LTV, and Interest Reserves)\nSize loans using LTC and as-completed LTV and model interest carry and reserve requirements\nStructure draw schedules aligned to inspection milestones and lien waiver processes\nCoordinate with builders, title, and escrow to ensure proper disbursement controls\nDraw Management and Risk Controls\nEnsure draw packages include invoices, receipts, inspection reports, and lien releases\nTrack change orders and budget variances and escalate issues early\nMaintain proactive communication to keep projects moving and reduce rework\nReverse Mortgages (HECM) Origination\n\nI originate reverse mortgages with a strong emphasis on borrower education, compliance, and a high-trust experience.\n\nBorrower Education and Suitability\nExplain eligibility, principal limit factors, and how age, rate, and home value affect proceeds\nClarify payment options (lump sum, tenure, term, line of credit) and cash flow impact\nSet clear expectations on ongoing obligations (taxes, insurance, occupancy, maintenance)\nCompliance and Documentation Discipline\nGuide borrowers through required counseling, disclosures, and timelines\nCollect and validate income/obligation documentation as needed for financial assessment\nCommunicate terms in plain language to reduce confusion and ensure informed decisions\nCoordination Through Closing\nCoordinate appraisal, title, payoff statements, and closing logistics\nManage conditions efficiently and keep family members or trusted contacts informed when authorized\nEnsure smooth post-closing follow-through and responsiveness to borrower questions\nProcess Strengths Across All Loan Types\nClean file building, condition management, and consistent status updates to stakeholders\nStrong attention to detail on documentation, timelines, and compliance requirements\nConfident communication with borrowers, realtors, builders, CPAs, attorneys, title, and underwriting\nProblem solving on complex scenarios while maintaining a borrower-first experience" }, "trust": { "sourceLabel": "tencent", "provenanceUrl": "https://clawhub.ai/prabu12478/loan", "publisherUrl": "https://clawhub.ai/prabu12478/loan", "owner": "prabu12478", "version": "1.0.0", "license": null, "verificationStatus": "Indexed source record" }, "links": { "detailUrl": "https://openagent3.xyz/skills/loan", "downloadUrl": "https://openagent3.xyz/downloads/loan", "agentUrl": "https://openagent3.xyz/skills/loan/agent", "manifestUrl": "https://openagent3.xyz/skills/loan/agent.json", "briefUrl": "https://openagent3.xyz/skills/loan/agent.md" } }