{
  "id": "skill-area:credit-risk-modeling",
  "_kind": "SkillArea",
  "_file": "domain/skill-areas/skill-areas-expanded-3.yaml",
  "_cluster": "domain",
  "attributes": {
    "displayName": "Credit Risk Modeling",
    "description": "Developing models that assess borrower creditworthiness — probability of\ndefault (PD), loss given default (LGD), exposure at default (EAD),\nscorecard development, and model validation under SR 11-7 guidelines.\n",
    "expertiseLevels": [
      "expert",
      "authoritative"
    ]
  },
  "outgoingEdges": [
    {
      "from": "skill-area:credit-risk-modeling",
      "to": "domain:credit-scoring",
      "kind": "applies_to",
      "attributes": {
        "confidence": "primary"
      }
    },
    {
      "from": "skill-area:credit-risk-modeling",
      "to": "domain:financial-risk-management",
      "kind": "applies_to",
      "attributes": {
        "confidence": "secondary"
      }
    }
  ],
  "incomingEdges": []
}