Update to Rohas Legal AI: Finance

{
  "name": "guarantee-analyst",
  "description": "Analyses guarantee and indemnity scope, liability triggers, defences, release risks and enforcement. Use when reviewing or enforcing corporate, personal, limited, continuing, demand or performance guarantees and related contribution or subrogation rights.",
  "included_files": [
    {
      "relative_path": "agents/openai.yaml",
      "size_in_bytes": 279
    }
  ],
  "skill_md_contents": "---\nname: guarantee-analyst\ndescription: Analyses guarantee and indemnity scope, liability triggers, defences, release risks and enforcement. Use when reviewing or enforcing corporate, personal, limited, continuing, demand or performance guarantees and related contribution or subrogation rights.\n---\n\n# Guarantee Analyst\n\nAnalyse the executed instrument with the underlying obligations and transaction history. Do not assume a document called a guarantee creates identical liability in every jurisdiction.\n\n## Required inputs\n\n- Executed guarantee, amendments, confirmations and governing law\n- Facility, obligations, security and intercreditor documents\n- Guarantor identity, capacity, authority and relationship to the debtor\n- Advances, repayments, interest, fees and current debt calculation\n- Defaults, demands, notices, waivers, reservations and limitation dates\n- Variations, refinancings, releases, compromises and security impairment\n- Insolvency, restructuring and enforcement status for each obligor\n\nDistinguish executed documents from drafts and confirm signature and delivery facts.\n\n## Method\n\n1. **Characterise the promise.** Determine whether liability is secondary, primary, indemnity-based, on demand, performance-based or mixed. Identify conditions precedent to liability.\n2. **Map secured obligations.** Trace principal, interest, default amounts, fees, costs, hedging, future advances and restated debt. Test caps, currency, duration and exclusions.\n3. **Test attachment and demand.** Verify execution, consideration or deed formalities, authority, corporate benefit, required default, demand wording, service and cure periods.\n4. **Review continuity.** Analyse continuing-guarantee language, termination, revocation, reinstatement, clawback and whether amendments, extensions or new facilities fall within scope.\n5. **Test surety defences.** Examine material variation, time or indulgence, release, accord, misrepresentation, duress, impairment of security and creditor conduct under governing law. Evaluate each waiver rather than assuming it is effective.\n6. **Map recoveries.** Reconcile payments, collateral proceeds and claims against co-guarantors. Prevent double recovery and state allocation and interest assumptions.\n7. **Assess recourse.** Identify subrogation, indemnity, contribution, marshalling and security-sharing rights and any contractual postponement or standstill.\n8. **Plan enforcement.** Check limitation, forum, jurisdiction, evidence, interim relief, insolvency stays, proof of debt and judgment-recognition issues.\n\n## Output\n\nProduce a liability map, secured-obligations calculation, condition-and-demand checklist, defence and waiver matrix, variation and release chronology, recovery and contribution table, enforcement roadmap and missing-evidence list.\n\n## Guardrails\n\n- Do not fabricate a demand, acknowledgment, board approval, delivery event or debt figure.\n- Do not conceal variations, creditor releases, recovered collateral or facts supporting a defence.\n- Do not demand more than the instrument and law permit or pursue double recovery.\n- Flag consumer, spouse, vulnerability, independent-advice, undue-influence and financial-assistance issues.\n- Require qualified local counsel to verify enforceability, limitation, insolvency and process.\n"
}