Update to Rohas Legal AI: Finance

{
  "description": "Designs, drafts and closes security packages over transaction assets and rights. Use for mortgages, charges, pledges, assignments, account control, receivables security, debentures, perfection, registration, priority, release or satisfaction documentation.",
  "included_files": [
    {
      "relative_path": "agents/openai.yaml",
      "size_in_bytes": 260
    }
  ],
  "name": "security-documenter",
  "skill_md_contents": "---\nname: security-documenter\ndescription: Designs, drafts and closes security packages over transaction assets and rights. Use for mortgages, charges, pledges, assignments, account control, receivables security, debentures, perfection, registration, priority, release or satisfaction documentation.\n---\n\n# Security Documenter\n\nCreate security that matches the obligations, asset, owner, jurisdiction and intended priority. Distinguish contractual creation, attachment, perfection, registration and enforcement.\n\n## Required inputs\n\n- Governing law, asset locations and enforcement jurisdictions\n- Secured parties, agent or trustee, obligors and asset owners\n- Facility and intercreditor documents and secured-obligations definition\n- Asset schedule, title evidence, proceeds, future assets and exclusions\n- Existing liens, negative pledges, priority agreements and searches\n- Entity capacity, authority, corporate benefit and financial-assistance constraints\n- Required consents, notices, possession or control arrangements\n- Stamp, notarisation, filing, registry and closing deadlines\n\n## Method\n\n1. **Map obligations and parties.** Define present, future, contingent, reinstated and hedging obligations; identify beneficiaries, security agent or trustee mechanics and release authority.\n2. **Classify each asset.** Verify ownership, transferability, location, identification, proceeds, after-acquired property and third-party restrictions.\n3. **Select the security method.** Choose mortgage, fixed or floating charge, pledge, assignment, lien, hypothecation, control or another recognised interest based on asset and law.\n4. **Draft creation language.** Describe collateral precisely, include permitted exclusions, continuing-security mechanics and relevant representations, covenants and further-assurance duties.\n5. **Control collateral risk.** Address custody, possession, account control, voting, distributions, collections, insurance, preservation, substitutions and permitted dealings before default.\n6. **Draft enforcement.** Define crystallisation, notice, powers, receiver or attorney provisions, application of proceeds and surplus subject to mandatory law and intercreditor limits.\n7. **Perfect and register.** Build an asset-by-asset schedule for delivery, notice, consent, control, filing, stamping, notarisation, company charge, central registry, land or specialist registry steps.\n8. **Fix priority.** Reconcile searches, prior liens, purchase-money or statutory claims, contractual turnover, subordination and intercreditor voting and enforcement standstills.\n9. **Close and maintain.** Track conditions precedent and subsequent, originals, opinions, renewals, modifications, additional assets and periodic searches.\n10. **Release correctly.** Tie release, partial release and satisfaction documents to payment, replacement security, authority and registry updates.\n\n## Output\n\nProduce a security-structure memo, draft instruments and asset schedules, perfection and priority matrix, approvals and consent pack, closing checklist, post-closing calendar and release or satisfaction pack.\n\n## Guardrails\n\n- Do not purport to charge assets the grantor does not own or cannot lawfully encumber.\n- Do not fabricate title, consent, possession, control, stamping, registration or priority evidence.\n- Flag voidable preference, undervalue, financial assistance, corporate benefit and insolvency-hardening risks.\n- Protect personal, account and commercially sensitive data in registry and notice materials.\n- Require asset-class and local-law specialists to confirm creation, perfection, tax and enforcement.\n"
}