Add partner-built Credit Memo plugin for commercial lending

.claude-plugin/marketplace.json

@@ -119,10 +119,14 @@
       "description": "S&P Global - Financial data and analytics skills including company tearsheets, earnings previews, and transaction summaries"
     },
     {
-      "name": "claude-for-msft-365-install",
-      "displayName": "Claude for Microsoft 365 Install",
-      "source": "./claude-for-msft-365-install",
-      "description": "Provision direct cloud access (Vertex AI, Bedrock, or LLM gateway) for the Claude Microsoft 365 add-in. Generates the customized manifest, walks through Azure admin consent, and writes per-user config via Graph extension attributes."
+      "name": "claude-in-office",
+      "source": "./claude-in-office",
+      "description": "Provision direct cloud access (Vertex AI, Bedrock, or LLM gateway) for the Claude Office add-in. Generates the customized manifest, walks through Azure admin consent, and writes per-user config via Graph extension attributes."
+    },
+    {
+      "name": "credit-memo",
+      "source": "./partner-built/synechron-credit-memo",
+      "description": "Generate comprehensive Credit Memorandums for commercial lending. Collects financial data from SEC EDGAR, SerpApi, and public sources. Analyzes borrower financials, credit risk, repayment capacity, industry position, and management quality. Outputs Word, PDF, and PowerPoint with embedded charts. Built by Synechron Technologies."
     }
   ]
 }

plugins/partner-built/synechron-credit-memo/.claude-plugin/plugin.json

@@ -0,0 +1,8 @@
+{
+  "name": "credit-memo-generation",
+  "version": "1.0.0",
+  "description": "Generate comprehensive, professional Credit Memorandums for loan analysis. Automatically collects 3–5 years of financial data from SEC EDGAR, Stock Analysis, Moody's, S&P, Fitch, and SerpApi. Supports public and private companies. Outputs Word (.docx), PDF, and PowerPoint with 10 embedded charts. Includes full financial, risk, repayment, industry, and management analysis with a 5-layer guardrails system.",
+  "author": {
+    "name": "Synechron Technologies PVT LTD"
+  }
+}

plugins/partner-built/synechron-credit-memo/.mcp.json

@@ -0,0 +1,70 @@
+{
+  "mcpServers": {
+    "sec-edgar": {
+      "type": "http",
+      "url": "https://data.sec.gov",
+      "description": "SEC EDGAR — Official 10-K, 10-Q, 8-K regulatory filings. IMPORTANT: The SEC_EDGAR_KEY in config.local.md is NOT a traditional API key. It is a courtesy User-Agent string in the format 'OrganizationName contact@email.com'. Set it as the User-Agent header on all EDGAR requests. Without a valid User-Agent: 10 req/sec limit. With a valid User-Agent: higher limits and full-text search access.",
+      "endpoints": {
+        "full_text_search": "https://efts.sec.gov/LATEST/search-index?q={company}&forms=10-K,10-Q,8-K&dateRange=custom&startdt={start_year}-01-01&enddt={end_year}-12-31",
+        "company_search": "https://www.sec.gov/cgi-bin/browse-edgar?company={company}&CIK=&type=10-K&dateb=&owner=include&count=10&search_text=&action=getcompany",
+        "submissions": "https://data.sec.gov/submissions/CIK{cik_padded}.json"
+      },
+      "auth": "User-Agent header — set to value of SEC_EDGAR_KEY from config.local.md",
+      "terms_of_service": "https://www.sec.gov/privacy.htm — Public access; User-Agent required as per SEC fair access guidelines."
+    },
+    "serpapi": {
+      "type": "http",
+      "url": "https://serpapi.com",
+      "description": "SerpApi — Authenticated Google/Bing search API. API key from SERPAPI_KEY in config.local.md. Append &api_key={SERPAPI_KEY} to all calls. Unlocks Google Finance, Google News, Scholar endpoints.",
+      "endpoints": {
+        "google_search": "https://serpapi.com/search?engine=google&q={query}&api_key={SERPAPI_KEY}",
+        "google_finance": "https://serpapi.com/search?engine=google_finance&q={ticker}&api_key={SERPAPI_KEY}",
+        "google_news": "https://serpapi.com/search?engine=google_news&q={query}&api_key={SERPAPI_KEY}",
+        "yahoo_finance": "https://serpapi.com/search?engine=yahoo_finance&q={ticker}&api_key={SERPAPI_KEY}"
+      },
+      "auth": "SERPAPI_KEY query parameter from config.local.md",
+      "terms_of_service": "https://serpapi.com/terms — Licensed API access; usage subject to SerpApi subscription terms."
+    },
+    "stock-analysis": {
+      "type": "http",
+      "url": "https://stockanalysis.com",
+      "description": "Stock Analysis — Structured financials, ratios, 5-year history. Public web access.",
+      "endpoints": {
+        "financials": "https://stockanalysis.com/stocks/{ticker}/financials/",
+        "balance_sheet": "https://stockanalysis.com/stocks/{ticker}/financials/balance-sheet/",
+        "cash_flow": "https://stockanalysis.com/stocks/{ticker}/financials/cash-flow-statement/",
+        "ratios": "https://stockanalysis.com/stocks/{ticker}/financials/ratios/"
+      },
+      "terms_of_service_note": "Web access for informational purposes. Verify compliance with stockanalysis.com Terms of Service before automated use in production."
+    },
+    "discoverci": {
+      "type": "http",
+      "url": "https://discoverci.com",
+      "description": "DiscoverCI — Company intelligence, segments, competitors. Public web access.",
+      "endpoints": {
+        "company": "https://discoverci.com/companies/{company}"
+      },
+      "terms_of_service_note": "Web access for informational purposes. Verify compliance with discoverci.com Terms of Service before automated use in production."
+    },
+    "macrotrends": {
+      "type": "http",
+      "url": "https://www.macrotrends.net",
+      "description": "Macrotrends — 10-year historical financials and industry benchmarks. Public web access.",
+      "endpoints": {
+        "revenue": "https://www.macrotrends.net/stocks/charts/{ticker}/{company}/revenue",
+        "profit_margin": "https://www.macrotrends.net/stocks/charts/{ticker}/{company}/profit-margins",
+        "pe_ratio": "https://www.macrotrends.net/stocks/charts/{ticker}/{company}/pe-ratio"
+      },
+      "terms_of_service_note": "Web access for informational purposes. Verify compliance with macrotrends.net Terms of Service before automated use in production."
+    },
+    "spherical-insights": {
+      "type": "http",
+      "url": "https://www.sphericalinsights.com",
+      "description": "Spherical Insights — Market size, CAGR, industry forecasts. Public web access.",
+      "endpoints": {
+        "search": "https://www.sphericalinsights.com/search/{industry}"
+      },
+      "terms_of_service_note": "Web access for informational purposes. Verify compliance with sphericalinsights.com Terms of Service before automated use in production."
+    }
+  }
+}

plugins/partner-built/synechron-credit-memo/CHANGELOG.md

@@ -0,0 +1,51 @@
+# Credit Memo Generation — Changelog
+*Developed by Synechron Technologies PVT LTD*
+
+---
+
+## v1.0.0 — Initial Public Release (April 2026)
+
+### What's Included
+
+**Output Formats**
+- Word (.docx) — full detailed memo (25–45 pages) with branded styling
+- PDF — locked with CONFIDENTIAL watermark
+- PowerPoint (.pptx) — 15–20 slide executive summary deck
+
+**Analysis Coverage**
+- Financial analysis — 3–5 years of income statement, balance sheet, and cash flow
+- Risk assessment — credit ratings (Moody's, S&P, Fitch), leverage, liquidity, and legal risk
+- Repayment analysis — DSCR stress testing, amortization schedule, working capital analysis
+- Industry analysis — market size, CAGR, competitive landscape, SWOT
+- Management assessment — executive profiles, tenure, governance, and strategic track record
+
+**Data & Sources**
+- Automated data collection from SEC EDGAR, SerpApi, Stock Analysis, Macrotrends, DiscoverCI
+- Configurable premium sources: Bloomberg, Refinitiv, FactSet, S&P Capital IQ, PitchBook
+- Private company support via document upload + web search fallback
+- Data freshness enforcement with per-type staleness thresholds and warnings
+
+**Charts (10 embedded)**
+1. Revenue & EBITDA Trend (5-Year)
+2. Profit Margins vs. Industry Benchmark
+3. Cash Flow Waterfall
+4. Balance Sheet Composition
+5. Key Financial Ratios Dashboard (Traffic Light)
+6. Credit Rating Scale Visual
+7. Industry Market Size & Growth
+8. SWOT Matrix
+9. DSCR Stress Test (3 scenarios)
+10. Management Tenure Timeline
+
+**Guardrails & Compliance**
+- 5-layer guardrails system enforced across all commands
+- Inline citation numbers `[n]` on all key figures, linked to a numbered references appendix
+- Data Freshness Summary box in every output
+- AI-generated disclaimer on all outputs — not financial advice
+
+**Commands**
+- `/credit-memo-generation:setup` — validate API keys and connectivity
+- `/credit-memo-generation:generate` — full Credit Memo (Word + PDF + PowerPoint)
+- `/credit-memo-generation:quick-risk-check` — 2-minute preliminary risk screen
+- `/credit-memo-generation:industry-snapshot` — standalone industry analysis
+- `/credit-memo-generation:refresh-data` — update existing memo with latest data

plugins/partner-built/synechron-credit-memo/DISCLAIMER.md

@@ -0,0 +1,9 @@
+# Legal Disclaimer
+
+**Synechron Technologies PVT LTD ("Synechron")**
+
+This plugin is provided by Synechron on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind (express, implied, or statutory), including merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability. Synechron disclaims all liability for any loss, damage, claims, or third-party liabilities arising from or related to use of, or reliance on, the plugin or its outputs. Users are solely responsible for evaluating results, ensuring compliance with applicable laws/policies, and implementing appropriate safeguards before use in any production or regulated context. Synechron shall have no liability whatsoever in connection with the plugin or its outputs.
+
+---
+
+*This disclaimer applies to the Credit Memo Generation plugin (v1.0.0) published on the Anthropic Claude Cowork marketplace by Synechron Technologies PVT LTD.*

plugins/partner-built/synechron-credit-memo/README.md

@@ -0,0 +1,192 @@
+# Credit Memo Generation — Cowork Plugin
+
+*Developed by [Synechron Technologies PVT LTD](https://www.synechron.com)*
+
+---
+
+> **⚠️ Legal Disclaimer**
+>
+> This plugin is provided by Synechron on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind (express, implied, or statutory), including merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability. Synechron disclaims all liability for any loss, damage, claims, or third-party liabilities arising from or related to use of, or reliance on, the plugin or its outputs. Users are solely responsible for evaluating results, ensuring compliance with applicable laws/policies, and implementing appropriate safeguards before use in any production or regulated context. Synechron shall have no liability whatsoever in connection with the plugin or its outputs.
+>
+> See [DISCLAIMER.md](./DISCLAIMER.md) for full terms.
+
+---
+
+Generate professional Credit Memorandums in Word, PDF, and PowerPoint with 10 embedded charts. Supports public and private companies. Uses authenticated API calls with SerpApi and SEC EDGAR keys.
+
+> ⚠️ **Important:** All outputs are AI-generated research aids and must be reviewed by a qualified credit professional before use in any lending decision. This plugin does not constitute financial advice.
+
+---
+
+## What's Included in v1.0.0
+
+| Feature | Details |
+|---|---|
+| Output formats | Word (.docx) + PDF (watermarked) + PowerPoint (.pptx) |
+| Charts/Visuals | 10 professional charts, embedded in all formats |
+| API key support | SerpApi + SEC EDGAR |
+| Private companies | Document upload + web fallback + gap log |
+| Internal ratings | Config, upload, or intake |
+| Financial history | 3–5 years + sector benchmarks |
+| Guardrails | 5-layer compliance enforcement |
+| Setup command | Key validation + connectivity check |
+| Sector thresholds | 6 industry categories |
+
+---
+
+## Setup
+
+### Step 1 — Add API Keys (Optional but Recommended)
+Copy the template and add your keys:
+```
+config/config.template.md  →  copy and rename to  →  config/config.local.md
+```
+Then open `config.local.md` and fill in:
+
+**SerpApi Key** — Get free at https://serpapi.com/dashboard
+```
+SERPAPI_KEY=your_actual_key_here
+```
+
+**SEC EDGAR User-Agent** — Not a password; a courtesy identifier required by the SEC.
+Format: `"OrganizationName contact@youremail.com"`
+```
+SEC_EDGAR_KEY=Acme Credit Team analyst@acmebank.com
+```
+
+### Step 2 — Verify Setup
+Run the setup command to confirm connectivity:
+```
+/credit-memo-generation:setup
+```
+
+---
+
+## Commands
+
+| Command | Description |
+|---|---|
+| `/credit-memo-generation:setup` | Validate API keys and check connectivity |
+| `/credit-memo-generation:generate` | Full Credit Memo — Word + PDF + PowerPoint |
+| `/credit-memo-generation:quick-risk-check` | 2-minute preliminary risk screen |
+| `/credit-memo-generation:industry-snapshot` | Standalone industry analysis report |
+| `/credit-memo-generation:refresh-data` | Update existing memo with latest data |
+
+---
+
+## Output Files
+
+### Full Credit Memo (`/credit-memo-generation:generate`)
+Three files per analysis:
+- `Credit_Memo_[Company]_[Date].docx` — Full detailed memo (25–45 pages)
+- `Credit_Memo_[Company]_[Date].pdf` — Locked PDF with CONFIDENTIAL watermark
+- `Credit_Memo_[Company]_[Date]_Deck.pptx` — Executive summary deck (15–20 slides)
+
+### Charts Generated (10)
+1. Revenue & EBITDA Trend (5-Year)
+2. Profit Margins vs. Industry Benchmark
+3. Cash Flow Waterfall
+4. Balance Sheet Composition
+5. Key Financial Ratios Dashboard (Traffic Light)
+6. Credit Rating Scale Visual
+7. Industry Market Size & Growth
+8. SWOT Matrix (4-quadrant color)
+9. DSCR Stress Test (3 scenarios)
+10. Management Tenure Timeline
+
+---
+
+## Private Company Support
+
+When a private company is detected, the plugin prompts for document uploads and falls back to web search for missing data. All data is clearly tagged:
+
+- `[FROM UPLOAD — Management Provided]` — from uploaded documents
+- `[WEB ESTIMATE — Verify independently]` — from web search fallback
+- `[NOT AVAILABLE]` — not found from any source
+
+All private company analyses include this disclaimer:
+> *"This analysis is based on management-provided financials and/or web-sourced estimates. Independent verification is strongly recommended before credit approval."*
+
+---
+
+## Data Handling & Privacy
+
+Uploaded documents (financial statements, bank statements, tax returns) are processed locally within your Cowork session. They are not transmitted to third parties beyond the data sources configured in `.mcp.json`. Handle all uploaded documents in accordance with your organization's data classification policies.
+
+---
+
+## Configuring Data Sources
+
+The plugin ships with free public data sources out of the box. For production use, you can configure premium providers and your own internal systems via `config/data-sources.md`.
+
+### Built-in free sources (no configuration required)
+| Source | Usage |
+|---|---|
+| SEC EDGAR | 10-K, 10-Q, 8-K filings (User-Agent header required — see setup) |
+| SerpApi | Web/news/finance search (free tier: 100 searches/month) |
+| Stock Analysis | Financial statements, ratios |
+| Macrotrends | 10-year historical data |
+| DiscoverCI | Company intelligence |
+
+### Configurable premium sources
+Add API keys to `config/config.local.md` and enable sources in `config/data-sources.md`:
+
+| Provider | What it unlocks | Config key |
+|---|---|---|
+| Bloomberg Terminal | Real-time data, full financials, ratings, M&A | `BLOOMBERG_KEY` |
+| Refinitiv / LSEG Eikon | Financial statements, estimates, news feeds | `REFINITIV_KEY` |
+| FactSet | Standardised financials, estimates, ownership | `FACTSET_KEY` |
+| S&P Capital IQ | Private company data, M&A comps, credit scores | `SP_CAPITAL_IQ_KEY` |
+| PitchBook | Private company financials, VC/PE deal data | `PITCHBOOK_KEY` |
+
+### Internal systems
+The plugin can connect to your own databases and systems via `config/data-sources.md`:
+
+- **Internal financial database** — REST API or MCP connector; takes highest priority when configured
+- **Internal credit rating system** — REST API, MCP, or static CSV lookup table
+- **CRM (Salesforce, Dynamics)** — relationship history and existing facility data
+- **Document management (SharePoint, Box, Google Drive)** — for private company document ingestion
+
+See `config/data-sources.md` for full setup instructions with examples for each source type.
+
+*Note: Always verify compliance with each source's Terms of Service for automated access.*
+
+---
+
+## Citations & Source Attribution
+
+Every Credit Memo generated by this plugin includes:
+
+- **Inline citation numbers** `[1]`, `[2]`, etc. next to key figures in the document body
+- **Appendix A — Citations & References** — full table of all sources with URLs and retrieval dates
+- **Key Figure Citation Map** — links each major figure (revenue, ratings, ratios, market data) to its source
+
+---
+
+## Data Freshness Policy
+
+The plugin enforces strict data freshness rules and will warn when data may be stale:
+
+| Data type | Maximum age before warning |
+|---|---|
+| Quarterly financials | 6 months |
+| Annual financials | 18 months |
+| Credit ratings | 12 months |
+| News coverage | 30-day minimum window required |
+| Industry/market data | 24 months |
+
+Every output includes a **Data Freshness Summary** box in the Executive Summary showing the age of each data category and when data was retrieved.
+
+Freshness thresholds are configurable per organisation in `config/data-sources.md`.
+
+---
+
+## Disclaimer
+
+This plugin is an AI-assisted research tool. All Credit Memorandums, risk assessments, and analyst recommendations generated by this plugin require review by a qualified credit professional before any lending decision is made.
+
+For the full legal disclaimer covering warranties, liability, and compliance obligations, see [DISCLAIMER.md](./DISCLAIMER.md).
+
+---
+
+*Developed by [Synechron Technologies PVT LTD](https://www.synechron.com)*