{
      "name": "credit-ecl-valuation",
      "domain": "Bank Capital & Credit Risk",
      "title": "Credit ECL & Valuation",
      "description": "IFRS9 macro-overlay calculation > credit risk rating calibration > CVA calculator: composite credit ECL and valuation mandate.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/credit-ecl-valuation.html",
      "steps": [
        {
          "tool_id": "196-ifrs9-macro-overlay-calculator",
          "handoff": "macro_overlay_adjustments and ecl_impact feed Stage 2 credit risk rating calibration"
        },
        {
          "tool_id": "197-credit-risk-rating-calculator",
          "handoff": "credit_ratings and pd_estimates feed Stage 3 CVA calculator"
        },
        {
          "tool_id": "200-cva-calculator",
          "handoff": "cva_fair_value and composite_credit_mandate — final credit ECL/valuation mandate"
        }
      ]
    }