Scenario 02: Covenant Breach Alert

Business Situation

During a quarterly compliance check, Acme Corp's leverage ratio is 3.8x against a covenant limit of 4.0x. The risk is rising, and the team needs immediate evidence to escalate.

Step-by-Step Narrative

1. Analyst opens the covenant dashboard. Talking point: "The dashboard prioritizes accounts approaching thresholds so teams can act early."
2. Warning badge appears on Acme Corp. Talking point: "This is early-warning posture, not after-the-fact reporting."
3. Analyst drills into covenant details. Talking point: "Threshold, current value, and source extraction are visible together for fast decisioning."
4. Analyst reviews trend chart over the last 3 quarters. Talking point: "Trend direction explains urgency and supports escalation quality."
5. Analyst exports evidence package for escalation. Talking point: "Risk, operations, and compliance can work from a shared evidence-backed record."

Value Moment

"Discovered today, not 30 days after breach."

Synthetic Documents Used

• acme-corp-facility-agreement.pdf
• delta-amendment-notice.pdf (optional variation for changed thresholds)