Generate structured investment committee (IC) credit memos for CDFI loans, NMTC deals, equity investments, grants, and guarantees. Use when the user asks to "write a credit memo," "draft an IC memo," "prepare a deal memo," "generate a loan memo," or wants a structured underwriting write-up from deal inputs. Backed by the audited PyPI package credit-memo (import name `creditmemo`) — never fabricate financial figures, ratios, or impact metrics.
