RESOLUTION BAZAAR

{

"agentName": "Debt Restructuring and Negotiation Agent (DRNA)",
"agentDescription": "Assists corporate debtors or their advisors in analyzing debt restructuring options, formulating negotiation strategies, and communicating effectively with creditors. Provides data-driven insights and simulations to support the achievement of sustainable and favorable settlement terms.",
"version": "1.0",
"status": "Conceptual",
"goals": [
  "Analyze the debtor's current financial position and debt structure.",
  "Model various debt restructuring scenarios (e.g., term extensions, interest rate adjustments, principal reduction/haircuts, debt-for-equity swaps).",
  "Evaluate the financial impact and long-term viability of each restructuring scenario for the debtor.",
  "Assess the potential impact and likely recovery for different creditor classes under each scenario.",
  "Generate data-driven arguments and supporting documentation for negotiation proposals.",
  "Compare proposed terms against benchmarks (e.g., liquidation analysis, industry norms).",
  "Facilitate and track communication with creditors.",
  "Simulate potential negotiation outcomes based on different parameters (optional, advanced capability).",
  "Support the preparation of draft term sheets or restructuring agreements."
],
"keyCapabilities": [
  "Financial Statement Analysis: Ingests and analyzes historical and projected financials.",
  "Debt Schedule Management: Organizes and analyzes details of all debt instruments.",
  "Scenario Modeling Engine: Builds dynamic financial models to simulate restructuring outcomes (e.g., impact on cash flow, solvency ratios, debt service coverage ratio).",
  "Waterfall Analysis: Models potential distribution of value to creditors under different scenarios (including liquidation).",
  "Argument Generation: Identifies key metrics and talking points from data analysis to support negotiation positions.",
  "Benchmarking: Compares proposed terms or debtor capacity against relevant industry or market data.",
  "Communication Management: Provides templates, logs communication history, and potentially integrates with communication platforms.",
  "Documentation Support: Helps organize and generate data needed for term sheets, proposals, and creditor presentations.",
  "Sensitivity Analysis: Assesses how changes in key assumptions affect restructuring outcomes."
],
"targetUsers": [
  "Corporate Finance Teams (Debtor Side)",
  "Chief Financial Officers (CFOs)",
  "Restructuring Advisors / Consultants",
  "Insolvency Practitioners (acting for debtor)",
  "Corporate Legal Counsel involved in restructuring"
],
"inputDataRequirements": [
  "Debtor's Historical Financial Statements (Balance Sheet, Income Statement, Cash Flow)",
  "Debtor's Projected Financial Statements / Business Plan",
  "Detailed Debt Schedule (Creditor, Amount, Rate, Maturity, Security/Collateral, Covenants)",
  "Copies of Loan Agreements (parsing may require NLP or manual input)",
  "Current Creditor List and Contact Information",
  "Asset Valuations / Liquidation Analysis Reports",
  "Information on Inter-creditor Agreements (if applicable)",
  "Any existing restructuring proposals or communication history."
],
"outputFormats": [
  "Restructuring Scenario Comparison Reports (PDF, HTML, Spreadsheet)",
  "Projected Financial Statements under each scenario",
  "Waterfall Analysis Summaries / Visualizations",
  "Data-driven Negotiation Points / Argument Summaries (Text, Document)",
  "Communication Logs and Status Updates",
  "Draft Term Sheet Data Points",
  "Sensitivity Analysis Reports",
  "JSON/API output for integration with other systems"
],
"potentialBenefits": [
  "Enhanced preparedness for creditor negotiations.",
  "Data-backed justification for restructuring proposals.",
  "Improved understanding of the viability and impact of different options.",
  "Increased efficiency in analyzing complex financial situations.",
  "Better chance of achieving a sustainable restructuring plan.",
  "Streamlined communication tracking with multiple creditors.",
  "Reduced risk of misunderstandings during negotiations.",
  "Objective basis for internal decision-making on acceptable terms."
],
"requiredTools": [
  {
    "toolCategory": "Data Acquisition & Input",
    "tools": [
      "Database Connectors (SQL)",
      "Spreadsheet Libraries (e.g., Pandas for Python, Apache POI for Java)",
      "File Parsers (PDF, DOCX - potentially using OCR or NLP libraries if reading agreements)",
      "APIs for internal financial systems"
    ]
  },
  {
    "toolCategory": "Data Processing & Financial Modeling",
    "tools": [
      "Data Processing Libraries (e.g., Pandas, NumPy)",
      "Financial Modeling Libraries/Frameworks (Potentially custom-built logic, or leveraging spreadsheet automation)",
      "Statistical Analysis Libraries (e.g., SciPy)"
    ]
  },
  {
    "toolCategory": "Scenario Analysis & Simulation",
    "tools": [
      "Custom Python/R scripts for scenario logic",
      "Libraries supporting parameter sweeping and sensitivity analysis"
    ]
  },
  {
    "toolCategory": "Data Storage",
    "tools": [
      "Relational Databases (e.g., PostgreSQL, MySQL) to store debt schedules, scenario parameters, communication logs, financial data."
    ]
  },
  {
    "toolCategory": "Communication & Workflow",
    "tools": [
      "Email APIs (e.g., SendGrid, SES - for logging or drafting, *not* necessarily autonomous sending)",
      "Calendar/Scheduling APIs (Optional)",
      "CRM APIs (Optional, for logging interactions)",
      "Workflow Management Tools (e.g., Airflow, Prefect - for complex sequences like updating models based on new data)"
    ]
  },
  {
    "toolCategory": "Reporting & Visualization",
    "tools": [
      "Reporting Libraries (e.g., ReportLab, FPDF)",
      "Data Visualization Libraries (e.g., Matplotlib, Seaborn, Plotly)",
      "Spreadsheet Generation Libraries"
    ]
  },
  {
    "toolCategory": "Natural Language Processing (Optional/Advanced)",
    "tools": [
      "NLP Libraries (e.g., spaCy, NLTK) for extracting terms from loan agreements or analyzing communication sentiment."
    ]
  }
]

}