Financial Spreading Assistant

Extract and spread borrower financial statements and tax returns into an approved bank template: classify each line item to a standard taxonomy, compute leverage, liquidity, coverage, and profitability ratios plus an operating cash-flow proxy, reconcile subtotals and statement tie-outs against the borrower's reported totals, and flag ambiguous mappings with source citations. Use when a commercial credit analyst or spreading team says "spread these financials", "normalize this balance sheet and income statement", "calculate the ratios / DSCR", or needs a source-linked, reproducible spread for a credit file. HARD BOUNDARY: this skill spreads and calculates only — it NEVER m…