Services
Credit risk monitoring and assessment. A proactive approach to the credit granting and risk management process.
The sustainability of banks and credit funds will depend on their capacity to attract, select and support the right projects. Companies with greater potential and value will choose financing partners that provide them with appropriate tools, capable of adapting to new realities and differentiating themselves from traditional banking services.
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- in the preparation of assessments to support the process of analysing and granting credit and finance restructuring;
- in review of the funded projects withing the scope of the ESG matrix;
- in monitoring the quality of the credit granted throughout the lifecycle of funded projects.
In the relationship with corporate clients, advising banks and credit funds in the support provided to its customers in preparing business plans and in the analysis of their economic-financial viability, enhancing their distinctiveness through a credit structure that is more favourable to the generation of cash flows by its customers.
Credit Decision Process
- Preparation of the file for risk analysis, including the preparation of memos.
- Development of the Business Plan and underlying financial model, and analysis of economic-financial viability.
- Support in structuring credit, namely in adapting amounts, terms and costs underlying the capacity to generate cash flows and compliance with ESG criteria.
- Support in the definition of (financial and non-financial) contractual clauses / covenants, in order to guarantee the monitoring of the credit quality of the funding by the financing entity.
Follow-Up and Monitoring
- Analysis of the economic-financial evolution of the company compared to the time of credit granting and the initial forecast of the Business Plan.
- Development of sensitivity analyses on the Business Plan.
- Support in the preparation of impairment records for major clients.
- Update of Business Plans and analysis of their economic and financial viability.
- Validation of compliance with financial covenants and other contractual terms.
- Analysis of the company’s progress regarding compliance with ESG indicators.
