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1{2  "org": "Banque Commerciale de l'Outaouais — Commercial Credit Portal",3  "user": {4    "username": "credit.analyst",5    "password": "x7wbgzvejg"6  },7  "documents": [8    {9      "id": "DOC-1",10      "title": "Loan application CC-2026-0318 — Ferronnerie Delorme Inc. (cover letter + form CC-12)",11      "path": "loan_application.pdf",12      "category": "Application"13    },14    {15      "id": "DOC-2",16      "title": "Financial statements FY2023–FY2025 (compiled)",17      "path": "financials.xlsx",18      "category": "Financial statements"19    },20    {21      "id": "DOC-3",22      "title": "Commercial Credit Policy CP-2026-01 (extract)",23      "path": "credit_policy.md",24      "category": "Policy"25    },26    {27      "id": "DOC-4",28      "title": "Industry benchmarks — NAICS 3323 Québec, FY2025 edition",29      "path": "industry_benchmarks.xlsx",30      "category": "Research"31    },32    {33      "id": "DOC-5",34      "title": "Security summary — proposed collateral",35      "path": "security_summary.docx",36      "category": "Security"37    }38  ],39  "records": {40    "financials": [41      {42        "fiscal_year": 2023,43        "revenue": 8150000,44        "ebitda": 940000,45        "net_income": 346920,46        "total_assets": 4999920,47        "bank_indebtedness": 360000,48        "long_term_debt_incl_current": 1605000,49        "shareholders_equity": 1946920,50        "source": "financials.xlsx (compiled statements, Gagnon Bélanger CPA Inc.)"51      },52      {53        "fiscal_year": 2024,54        "revenue": 8900000,55        "ebitda": 1075000,56        "net_income": 432915,57        "total_assets": 5149835,58        "bank_indebtedness": 310000,59        "long_term_debt_incl_current": 1405000,60        "shareholders_equity": 2259835,61        "source": "financials.xlsx (compiled statements, Gagnon Bélanger CPA Inc.)"62      },63      {64        "fiscal_year": 2025,65        "revenue": 9600000,66        "ebitda": 1212000,67        "net_income": 522585,68        "total_assets": 5334420,69        "bank_indebtedness": 250000,70        "long_term_debt_incl_current": 1200000,71        "shareholders_equity": 2632420,72        "source": "financials.xlsx (compiled statements, Gagnon Bélanger CPA Inc.)"73      }74    ]75  },76  "forms": [77    {78      "id": "credit_decision",79      "title": "Credit decision — file CC-2026-0318",80      "fields": [81        {82          "name": "rating",83          "type": "number",84          "label": "Borrower risk rating (1–7)"85        },86        {87          "name": "dscr_proforma",88          "type": "number",89          "label": "Pro-forma DSCR as proposed (x.xx)"90        },91        {92          "name": "recommendation",93          "type": "select",94          "label": "Recommendation",95          "options": [96            "approve_as_proposed",97            "counter_offer",98            "decline"99          ]100        },101        {102          "name": "comments",103          "type": "textarea",104          "label": "Comments for the Committee"105        }106      ]107    }108  ]109}
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