debt-covenant-monitor

# Debt Covenant Monitor ## Overview The Debt Covenant Monitor skill provides automated tracking and calculation of debt covenant compliance. It offers early warning capabilities and supports proactive management of covenant headroom across all credit facilities. ## Capabilities ### Financial Covenant Calculation - Leverage ratio (Debt/EBITDA) - Interest coverage ratio - Fixed charge coverage ratio - Current ratio - Net worth requirements - Capital expenditure limits ### Covenant Headroom Analysis - Cushion calculation - Trend analysis - Sensitivity to performance changes - Headroom visualization - Multi-covenant dashboard - Risk ranking ### Pro Forma Compliance Testing - Acquisition impact modeling - Disposition impact assessment - Debt incurrence testing - Restricted payment capacity - Permitted investment availability - Basket capacity tracking ### Early Warning Threshold Alerts - Configurable warning levels - Automatic notifications - Escalation procedures - Dashboard integration - Historical trend comparison - Projection-based alerts ### Compliance Certificate Generation - Automated data population - Calculation schedules - Definition cross-references - Officer certification language - Delivery tracking - Amendment tracking ### Cure Mechanism Modeling - Equity cure availability - Cure amount calculation - Cure timing requirements - Limitation tracking - Pro forma impact - Documentation requirements ## Usage ### Monthly Covenant Monitoring ``` Input: Financial s...