financial-analyst

name	financial-analyst
description	Manage — Performs financial ratio analysis, DCF valuation, budget variance analysis, and rolling forecast construction for strategic decision-making. Use when analyzing financial statements
executor	HYBRID
skill_id	business.finance.financial-analyst
status	ADOPTED
security	{"level":"high","pii":false,"approval_required":true}
anchors	["business","finance"]
tier	2
input_schema	[{"name":"code_or_task","type":"string","description":"Code snippet, script, or task description to process","required":true}]
output_schema	[{"name":"report","type":"string","description":"Analysis report or summary from financial analyst"}]

Financial Analyst Skill

Overview

Production-ready financial analysis toolkit providing ratio analysis, DCF valuation, budget variance analysis, and rolling forecast construction. Designed for financial modeling, forecasting & budgeting, management reporting, business performance analysis, and investment analysis.

5-Phase Workflow

Phase 1: Scoping

• Define analysis objectives and stakeholder requirements
• Identify data sources and time periods
• Establish materiality thresholds and accuracy targets
• Select appropriate analytical frameworks

Phase 2: Data Analysis & Modeling

• Collect and validate financial data (income statement, balance sheet, cash flow)
• Validate input data completeness before running ratio calculations (check for missing fields, nulls, or implausible values)
• Calculate financial ratios across 5 categories (profitability, liquidity, leverage, efficiency, valuation)
• Build DCF models with WACC and terminal value calculations; cross-check DCF outputs against sanity bounds (e.g., implied multiples vs. comparables)
• Construct budget variance analyses with favorable/unfavorable classification
• Develop driver-based forecasts with scenario modeling

Phase 3: Insight Generation

• Interpret ratio trends and benchmark against industry standards
• Identify material variances and root causes
• Assess valuation ranges through sensitivity analysis
• Evaluate forecast scenarios (base/bull/bear) for decision support

Phase 4: Reporting

• Generate executive summaries with key findings
• Produce detailed variance reports by department and category
• Deliver DCF valuation reports with sensitivity tables
• Present rolling forecasts with trend analysis

Phase 5: Follow-up

• Track forecast accuracy (target: +/-5% revenue, +/-3% expenses)
• Monitor report delivery timeliness (target: 100% on time)
• Update models with actuals as they become available
• Refine assumptions based on variance analysis

Tools

1. Ratio Calculator (scripts/ratio_calculator.py)

Calculate and interpret financial ratios from financial statement data.

Ratio Categories:

• Profitability: ROE, ROA, Gross Margin, Operating Margin, Net Margin
• Liquidity: Current Ratio, Quick Ratio, Cash Ratio