Credit Advisory Services

Potential Clients

Investors:
These may include investors in public or private limited companies, real estates, projects or special purpose vehicles

Potential Beneficiaries

Client

Service Overview

CRA undertakes an assessment of the viability of the prospective credit. The assessment covers external factors and internal factors of the prospective credit.

For the external assessment, this will include environmental scanning using models  such as PESTLE (Political, Economic,  Social, Technological, Legal and Environment) and due consideration of the sovereign risk.

For internal assessment, a meticulous review of the business and financial risk of the prospective credit will be undertaken.

Business Risk: Evaluation of the strengths/weaknesses of the operations of the entity including market position, geographic diversification, sector strengths or weaknesses, market cyclicality and competitive dynamics. This approach allows businesses to be compared with each other and relative strengths/weaknesses to be identified.

Financial Risk: Evaluation of the financial flexibility of the entity including total sales and profitability measures, margins, growth expectations, liquidity, funding diversity and financial forecasts. At the heart of this analysis is credit ratio analysis.

Models applied in the business risk assessment include:
Benchmarking
Core competencies
Porters Five Forces
The GE-McKinsey nine-box matrix
The BCG growth-share matrix

Core competencies

Financial Analysis
Credit Review
Audit Review
Forensic and Due Diligence Assessments
Communication Skills

Outputs

Report with Clear Recommendations

Potential Clients

Lenders.
These may include commercial banks, leasing companies, micro-finance institutions and international organisations

Potential Beneficiaries

Clients

Service Overview

CRA undertakes a credit review of the prospective lending.

The assessment covers external factors and internal factors affecting credit. For the external assessment, this will include environmental scanning using models  such as PESTLE (Political, Economic,  Social, Technological, Legal and Environment) and due consideration of the sovereign risk.

For internal assessment, a meticulous review of the business and financial risk of the prospective credit will be undertaken.

Business Risk: Evaluation of the strengths/weaknesses of the operations of the entity including market position, geographic diversification, sector strengths or weaknesses, market cyclicality and competitive dynamics. This approach allows businesses to be compared with each other and relative strengths/weaknesses to be identified.

Financial Risk: Evaluation of the financial flexibility of the entity including total sales and profitability measures, margins, growth expectations, liquidity, funding diversity and financial forecasts. At the heart of this analysis is credit ratio analysis.

Models applied in the business risk assessment include:
Benchmarking
Core competencies
Porters Five Forces
The GE-McKinsey nine-box matrix
The BCG growth-share matrix

Core competencies

Financial Analysis
Credit Review
Audit Review
Forensic and Due Diligence Assessments
Communication Skills

Outputs

Report with Clear Recommendations

In addition a notional credit rating may be assigned to the prospective borrower.