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BC Credit Review Digital Employee

覆盖准入规则扫描、风险规划、案件接件审核、抵质押风险管理、关联交易检测、贷前分析、审查备忘录全流程。帮助信贷审查人员提升风险识别能力。

ClawHub Agent Skills author: lingfeng-19 v2.0.7 MIT-0 2 files body ≈ 17 956 tokens Open the sourceclawhub.ai↗ analyzed 2 d ago

覆盖准入规则扫描、风险规划、案件接件审核、抵质押风险管理、关联交易检测、贷前分析、审查备忘录全流程。帮助信贷审查人员提升风险识别能力。

As a process C 55/100 · Has gaps — weak spots: inputs and preconditions, failures and branches, consistency

AnalyzerData and analyticsSecuritySales and CRMtype and topics are labelled automatically from the skill text
Runs in: OpenClaw Claude / Claude Code ChatGPT / Codex Gemini CLI Cursor GitHub Copilot / VS Code Qwen Code Kimi Code CLI Z.ai (GLM) DeepSeek (Deep Code) Mistral Vibe LangChain (deepagents) Goose OpenCode
JSON
Technical rating
B
81/100
safety, quality, tests
Safety 60%
100
Quality 40%
53
Run on models
none yet
Process rating
C
55/100
Has gaps
Inputs and preconditions w 11
0
Failures and branches w 10
0
Progress reporting w 2
0
the three weakest of ten parameters · all ten

How to improve

  1. Say in the description WHEN to use the skill ("use when…", example requests): that is the agent's main cue.
  2. The SKILL.md body is over 5,000 tokens: move reference detail into references/ and load it when needed.
For the model run — optional
  • Your own cases (evals/evals.json, 4–6 real requests with expected answers): the full check would then run those instead of a model-drafted suite.
  • A spec.yaml with trigger phrases and assertions — a behaviour contract for CI; `skilltest init` writes a template.

Guard findings · 0

✓ No critical or high findings

Files scanned: 2. Evidence is masked. Grey chips explain why severity was lowered.

Against the Agent Skills spec

  • warning name-format name should be kebab-case (lowercase letters, digits, hyphens)
  • warning description-no-when description does not say WHEN to use the skill (no "use when")
  • warning body-long SKILL.md body ≈ 17956 tokens (recommended < 5000); move details to references/
  • note frontmatter-key unknown frontmatter key "slug"
  • note frontmatter-key unknown frontmatter key "capabilities"

Process rating: all ten parameters 55/100

  • 0Inputs and preconditions. Does not say what the process needs to start
  • 0Failures and branches. Linear process with no failure handling
  • 0Progress reporting. Says nothing while it works
  • 10Execution cost. Instruction body is 17956 tokens: crowds the task out of the window
  • 40Consistency. Frontmatter name (Credit Review Digital Employee) differs from the folder (credit-review-digital-employee)
  • 50When it triggers. No condition that starts the skill
  • 60Result and completion. Output format stated, no completion criterion
  • 100Tools and files. Tools declared in frontmatter
  • 100Steps. 761 steps
  • 100Running it twice. No mutating operations
  • low 91 top-level sections: this looks like several domains in one skill

Everything here is measured from the skill text rather than judged by a model, so the numbers are checkable. A parameter weighs more when it is a more common reason for the process to stall.

Quality signals

  • +5Description has no quoted example phrases that should trigger the skill
  • +4Description does not say when NOT to use the skill (false activations)
  • +3Description length 67: 120–800 characters recommended
  • -2166 emoji in the instructions: noise for the model
  • +1No license
  • +2Single-language instructions
  • +4Structure: 226 headings
  • +3Step-by-step instructions: 761 items
  • +3Output format is stated explicitly
  • +4Has examples (26 code blocks)

Quality base 70; lint remarks subtract, signals add up to 100. Result: 53.

External checks

ClawHub: suspicious
The skill is not executable, but its credit-review guidance mixes safety boundaries with high-impact banking workflow instructions that need careful review before use.
LLM: suspicious (high) · 10 Sept 2026