[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M72A2SVT29FGSCF3M1Y5Z18C":3,"skill-same:01M72A2SVT29FGSCF3M1Y5Z18C":47},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":18,"publishedAt":19,"linkOnly":20,"markdownContent":21,"markdownBody":22,"frontMatter":23,"refName":24,"commitSha":25,"skillDirectory":26,"forksCount":27,"repositoryHtmlUrl":28,"repositoryHomepageUrl":6,"ownerHtmlUrl":29,"ownerBlogUrl":30,"ownerDescription":31,"updatedAt":32,"install":33,"resources":46},"01M72A2SVT29FGSCF3M1Y5Z18C","credit-portfolio-monitoring",null,"Monitor credit portfolios across retail and corporate books — concentration, rating migration, limit utilization, losses, and risk appetite alignment. Use when overseeing total credit exposure, setting portfolio limits, or reporting credit risk to ALCO\u002Fboard risk committees.","itsual\u002Fagent-skills-collection","itsual","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F47685900?v=4","01M7291J4K9RE0EWMQB0JM3WFN","Arockia Liborious","01M7291J58T0363Q45MQP9KESY",7,"MIT","https:\u002F\u002Fgithub.com\u002Fitsual\u002Fagent-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Ffinance\u002Fcredit-portfolio-monitoring\u002FSKILL.md",[],[],"2026-11-10 16:53:06",false,"---\nname: credit-portfolio-monitoring\ndescription: >\n  Monitor credit portfolios across retail and corporate books — concentration, rating migration, limit utilization, losses, and risk appetite alignment.\n  Use when overseeing total credit exposure, setting portfolio limits, or reporting credit risk to ALCO\u002Fboard risk committees.\n---\n\n# Credit Portfolio Monitoring\n\n## Overview\n\nPortfolio monitoring looks beyond single obligors to the shape of the entire credit book: concentrations, migrations, emerging loss trends, and compliance with risk appetite limits.\n\n## When to Use\n\n- Portfolio risk reporting for credit committees and boards\n- Risk appetite and concentration limit oversight\n- Comparing retail vs corporate book health\n- Stress and ICAAP \u002F capital discussions supported by portfolio data\n\n## Core Practices\n\n- Track exposure by segment, product, industry, geography, and rating band\n- Monitor concentration (single-name, sector, collateral type)\n- Analyze rating migration matrices and watchlist trends\n- Measure NPA \u002F delinquency formation, coverage, and write-offs\n- Compare utilization vs sanctioned limits at aggregate levels\n- Align portfolio metrics to stated risk appetite thresholds\n- Investigate outliers and sudden migrations with root-cause analysis\n\n## Key Portfolio Views\n\n- Exposure mix (retail vs corporate; secured vs unsecured)\n- Vintage \u002F cohort loss curves\n- Migration and flow into higher risk grades\n- Concentration heat maps\n- Expected vs realized losses and provisioning coverage\n\n## Principles\n\n- Diversification is a control — measure it deliberately\n- Portfolio limits only work if breaches escalate\n- Aggregate calm can hide pockets of severe stress\n- Retail and corporate books need different lenses but one consolidated appetite story\n- Data quality (ratings completeness, segment tags) determines signal quality\n\n## Verification\n\n- [ ] Concentration and appetite limits are defined and reported\n- [ ] Migration and delinquency trends are reviewed on a fixed cadence\n- [ ] Segment and product breakdowns are available, not only totals\n- [ ] Limit breaches have escalation and remediation paths\n","# Credit Portfolio Monitoring\n\n## Overview\n\nPortfolio monitoring looks beyond single obligors to the shape of the entire credit book: concentrations, migrations, emerging loss trends, and compliance with risk appetite limits.\n\n## When to Use\n\n- Portfolio risk reporting for credit committees and boards\n- Risk appetite and concentration limit oversight\n- Comparing retail vs corporate book health\n- Stress and ICAAP \u002F capital discussions supported by portfolio data\n\n## Core Practices\n\n- Track exposure by segment, product, industry, geography, and rating band\n- Monitor concentration (single-name, sector, collateral type)\n- Analyze rating migration matrices and watchlist trends\n- Measure NPA \u002F delinquency formation, coverage, and write-offs\n- Compare utilization vs sanctioned limits at aggregate levels\n- Align portfolio metrics to stated risk appetite thresholds\n- Investigate outliers and sudden migrations with root-cause analysis\n\n## Key Portfolio Views\n\n- Exposure mix (retail vs corporate; secured vs unsecured)\n- Vintage \u002F cohort loss curves\n- Migration and flow into higher risk grades\n- Concentration heat maps\n- Expected vs realized losses and provisioning coverage\n\n## Principles\n\n- Diversification is a control — measure it deliberately\n- Portfolio limits only work if breaches escalate\n- Aggregate calm can hide pockets of severe stress\n- Retail and corporate books need different lenses but one consolidated appetite story\n- Data quality (ratings completeness, segment tags) determines signal quality\n\n## Verification\n\n- [ ] Concentration and appetite limits are defined and reported\n- [ ] Migration and delinquency trends are reviewed on a fixed cadence\n- [ ] Segment and product breakdowns are available, not only totals\n- [ ] Limit breaches have escalation and remediation paths\n",{"name":5,"description":7},"main","8d2fd11b59496bfb3792e747e5519817e554e6cf","skills\u002Ffinance\u002Fcredit-portfolio-monitoring",1,"https:\u002F\u002Fgithub.com\u002Fitsual\u002Fagent-skills-collection","https:\u002F\u002Fgithub.com\u002Fitsual","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Farockialiborious\u002F","Data Science & Analytics Leader | Helping organizations rethink their data-driven decision making process | AI Storyteller","2026-07-22 23:04:48",{"source":8,"skillName":5,"commands":34,"prompt":44,"zipAvailable":45},[35,38,41],{"tool":36,"command":37},"npx","npx skills add itsual\u002Fagent-skills-collection --skill credit-portfolio-monitoring",{"tool":39,"command":40},"bunx","bunx skills add itsual\u002Fagent-skills-collection --skill credit-portfolio-monitoring",{"tool":42,"command":43},"pnpm","pnpm dlx skills add itsual\u002Fagent-skills-collection --skill credit-portfolio-monitoring","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002Fitsual\u002Fagent-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Ffinance\u002Fcredit-portfolio-monitoring\u002FSKILL.md",true,[],[48,56,63,70,77,85],{"skillNo":49,"name":50,"nameZh":6,"description":51,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":52,"categories":53,"keywords":54,"publishedAt":55},"01M7297PK9X4VZRN6HAD9A58M9","compliance-monitoring","Design compliance monitoring and testing programs that verify controls work in practice and surface issues before regulators do. Use when building monitoring plans, compliance testing, or continuous control monitoring.","https:\u002F\u002Fgithub.com\u002Fitsual\u002Fagent-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fcompliance\u002Fcompliance-monitoring\u002FSKILL.md",[],[],"2026-11-10 16:53:54",{"skillNo":57,"name":58,"nameZh":6,"description":59,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":60,"categories":61,"keywords":62,"publishedAt":55},"01M7297KXVGGV1CH7CEHA62FAT","complaints-handling","Operate complaints-handling processes that meet regulatory standards — logging, timely resolution, root-cause analysis, and fair outcomes. Use when designing or improving regulated complaints frameworks or analyzing complaint themes for conduct risk.","https:\u002F\u002Fgithub.com\u002Fitsual\u002Fagent-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fcompliance\u002Fcomplaints-handling\u002FSKILL.md",[],[],{"skillNo":64,"name":65,"nameZh":6,"description":66,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":67,"categories":68,"keywords":69,"publishedAt":55},"01M7297HXEX2PSHBEDVWRJC924","aml-kyc-basics","Apply AML\u002FKYC fundamentals — customer due diligence, monitoring, suspicious activity escalation, and recordkeeping — for financial crime compliance. Use when designing onboarding controls, transaction monitoring concepts, or AML program components in financial services.","https:\u002F\u002Fgithub.com\u002Fitsual\u002Fagent-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fcompliance\u002Faml-kyc-basics\u002FSKILL.md",[],[],{"skillNo":71,"name":72,"nameZh":6,"description":73,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":74,"categories":75,"keywords":76,"publishedAt":55},"01M7297G229RT4FXA2KW7EG2K6","ai-model-compliance","Apply compliance controls to AI and automated decision systems — transparency, fairness, human oversight, documentation, and regulatory alignment. Use when deploying AI in regulated processes (credit, fraud, customer decisions) or responding to AI governance expectations.","https:\u002F\u002Fgithub.com\u002Fitsual\u002Fagent-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fcompliance\u002Fai-model-compliance\u002FSKILL.md",[],[],{"skillNo":78,"name":79,"nameZh":6,"description":80,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":81,"categories":82,"keywords":83,"publishedAt":84},"01M729KEEE7VTT48V1J7YMS8GA","data-quality-management","Manage data quality end-to-end — dimensions, rules, remediation, and prevention — beyond one-off cleaning scripts. Use when building sustained data quality programs or fixing systemic accuracy, completeness, or consistency problems.","https:\u002F\u002Fgithub.com\u002Fitsual\u002Fagent-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fdata-analytics\u002Fdata-quality-management\u002FSKILL.md",[],[],"2026-11-10 16:53:43",{"skillNo":86,"name":87,"nameZh":6,"description":88,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":89,"categories":90,"keywords":91,"publishedAt":84},"01M729K3VDSZC6TF67TYQ4Z8W9","data-lineage","Capture and use data lineage — where data comes from, how it transforms, and what depends on it — for impact analysis, debugging, and trust. Use when tracing metric origins, assessing change impact, or diagnosing broken pipelines.","https:\u002F\u002Fgithub.com\u002Fitsual\u002Fagent-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fdata-analytics\u002Fdata-lineage\u002FSKILL.md",[],[]]