"""Monitor credit facility utilization and pricing tiers."""
from __future__ import annotations
from datetime import datetime, timezone
from typing import Any
TOOL_META: dict[str, Any] = {
"name": "credit_facility_utilization_monitor",
"description": "Aggregates revolver/DDTL/term loan utilization and identifies spread tiers.",
"inputSchema": {
"type": "object",
"properties": {
"facilities": {"type": "array", "items": {"type": "object"}},
},
"required": ["facilities"],
},
"outputSchema": {
"type": "object",
"properties": {
"status": {"type": "string"},
"data": {"type": "object"},
"timestamp": {"type": "string"},
},
},
}
def credit_facility_utilization_monitor(facilities: list[dict[str, Any]], **_: Any) -> dict[str, Any]:
"""Return utilization and spread grid diagnostics."""
try:
total_commitment = sum(f.get("commitment", 0.0) for f in facilities)
total_drawn = sum(f.get("drawn", 0.0) + f.get("letters_of_credit", 0.0) for f in facilities)
total_available = total_commitment - total_drawn
utilization = total_drawn / total_commitment * 100 if total_commitment else 0.0
spread_tier = None
for facility in facilities:
grid = sorted(facility.get("spread_grid", []), key=lambda x: x.get("utilization_threshold", 0))
for tier in grid:
if utilization >= tier.get("utilization_threshold", 0):
spread_tier = tier
springing = utilization > 85
facility_rows = []
for facility in facilities:
commit = facility.get("commitment", 0.0)
drawn = facility.get("drawn", 0.0)
facility_rows.append(
{
"name": facility.get("name"),
"type": facility.get("type"),
"commitment": commit,
"drawn": drawn,
"utilization_pct": round(drawn / commit * 100, 2) if commit else 0.0,
}
)
data = {
"total_commitment": round(total_commitment, 2),
"total_drawn": round(total_drawn, 2),
"total_available": round(total_available, 2),
"overall_utilization_pct": round(utilization, 2),
"current_spread_tier": spread_tier,
"springing_covenants_active": springing,
"facilities": facility_rows,
}
return {
"status": "success",
"data": data,
"timestamp": datetime.now(timezone.utc).isoformat(),
}
except Exception as exc:
_log_lesson("credit_facility_utilization_monitor", str(exc))
return {
"status": "error",
"data": {"error": str(exc)},
"timestamp": datetime.now(timezone.utc).isoformat(),
}
def _log_lesson(skill_name: str, error: str) -> None:
with open("logs/lessons.md", "a", encoding="utf-8") as handle:
handle.write(f"- [{datetime.now(timezone.utc).isoformat()}] {skill_name}: {error}\n")
