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1000+ leveraged loans
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20-25% more client-facing time
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1 day turnaround for prioritised requests
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Over USD 90bn loan commitments monitored
CLIENT CHALLENGES
- Irregular update of credit pay-down projection models
- Irregular and inconsistent financial analysis of the portfolio by different risk teams
- Increasing regulatory compliance requirements
- Low bandwidth for system transitioning and value-added activities
OUR APPROACH
- Deploy a centralised team and well-defined E2E process maps for all activities (financial variance analysis, model re-run) along with a detailed methodology to streamline the process and generate consistent output
- Provide support on quarterly financial analysis of borrowers, such as variance analysis of actual versus bank projections and management budget, covenant monitoring and EV analysis.
- Create a detailed credit paydown model with enterprise valuation in base, downside and stress scenarios
- Migration and monitoring of asset based lending (ABL) portfolio to a web-based platform (William Stucky)
IMPACT DELIVERED
- Prioritised credit model and financial analysis delivered within 24 hours
- Regular and timely quarterly portfolio review for meeting regulatory compliance
- Real time tracking of portfolio performance covering key credit parameters and credit history for early identification of riskier credits
- Efficiency improvement and technology solutions are channelised to deliver higher volumes, ad hoc projects and value-added comments
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