{
  "org": "Banque Commerciale de l'Outaouais — Commercial Credit Portal",
  "user": {
    "username": "credit.analyst",
    "password": "x7wbgzvejg"
  },
  "documents": [
    {
      "id": "DOC-1",
      "title": "Loan application CC-2026-0318 — Ferronnerie Delorme Inc. (cover letter + form CC-12)",
      "path": "loan_application.pdf",
      "category": "Application"
    },
    {
      "id": "DOC-2",
      "title": "Financial statements FY2023–FY2025 (compiled)",
      "path": "financials.xlsx",
      "category": "Financial statements"
    },
    {
      "id": "DOC-3",
      "title": "Commercial Credit Policy CP-2026-01 (extract)",
      "path": "credit_policy.md",
      "category": "Policy"
    },
    {
      "id": "DOC-4",
      "title": "Industry benchmarks — NAICS 3323 Québec, FY2025 edition",
      "path": "industry_benchmarks.xlsx",
      "category": "Research"
    },
    {
      "id": "DOC-5",
      "title": "Security summary — proposed collateral",
      "path": "security_summary.docx",
      "category": "Security"
    }
  ],
  "records": {
    "financials": [
      {
        "fiscal_year": 2023,
        "revenue": 8150000,
        "ebitda": 940000,
        "net_income": 346920,
        "total_assets": 4999920,
        "bank_indebtedness": 360000,
        "long_term_debt_incl_current": 1605000,
        "shareholders_equity": 1946920,
        "source": "financials.xlsx (compiled statements, Gagnon Bélanger CPA Inc.)"
      },
      {
        "fiscal_year": 2024,
        "revenue": 8900000,
        "ebitda": 1075000,
        "net_income": 432915,
        "total_assets": 5149835,
        "bank_indebtedness": 310000,
        "long_term_debt_incl_current": 1405000,
        "shareholders_equity": 2259835,
        "source": "financials.xlsx (compiled statements, Gagnon Bélanger CPA Inc.)"
      },
      {
        "fiscal_year": 2025,
        "revenue": 9600000,
        "ebitda": 1212000,
        "net_income": 522585,
        "total_assets": 5334420,
        "bank_indebtedness": 250000,
        "long_term_debt_incl_current": 1200000,
        "shareholders_equity": 2632420,
        "source": "financials.xlsx (compiled statements, Gagnon Bélanger CPA Inc.)"
      }
    ]
  },
  "forms": [
    {
      "id": "credit_decision",
      "title": "Credit decision — file CC-2026-0318",
      "fields": [
        {
          "name": "rating",
          "type": "number",
          "label": "Borrower risk rating (1–7)"
        },
        {
          "name": "dscr_proforma",
          "type": "number",
          "label": "Pro-forma DSCR as proposed (x.xx)"
        },
        {
          "name": "recommendation",
          "type": "select",
          "label": "Recommendation",
          "options": [
            "approve_as_proposed",
            "counter_offer",
            "decline"
          ]
        },
        {
          "name": "comments",
          "type": "textarea",
          "label": "Comments for the Committee"
        }
      ]
    }
  ]
}