266四大之信用风险管理分析报告.ppt

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Appendix: Business Proposal Checklist Rationale and Analysis Customer, Guarantor, Collateral, Support Facility Description Amount, purpose, tenor, pricing, terms, conditions, covenants, restrictions etc. Consider affect on above e.g. new leverage Facility Rating? Repayment Capacity Future cash flow, conversion of assets etc. Consistency with Credit Strategy and Policy Confirm, and identify any exceptions to policy, underwriting standards, or process Risk adjusted return acceptability Appendix: Business Proposal Checklist Client Relationship Business strategy: increase, maintain or decrease exposure or exit relationship Consider relation to rating, latest risk profile and payment performance Customer profitability: risk adjusted return, revenue, fees, direct and allocated costs etc. Any conflicts of interest or special concerns Appendix: Business Proposal Checklist Macro Analysis Business Environment Review Customer’s competitive market position and future industry prospects: size, cycle, volatility, new entrants Strength of customer’s business and financial strategies Management Evaluation: competency, experience and effectiveness Appendix: Business Proposal Checklist Customer Analysis Company history, background, objectives and performance Relevance and strength of future business plans Consider seasonality and scenario analysis Primary and secondary sources of repayment Historical financial capacity and analysis of future performance: sales, profitability, working capital, liquidity, cash flow, leverage, tangible net worth etc. Quality of earnings Absolute and ratio analysis Peer comparisons Appendix: Business Proposal Checklist Strengths, Weaknesses and Recommendation Key factors that could jeopardize collection: environment or company specific Any mitigating factors Consider probability and impact Consider all sources of repayment: primary, secondary and tertiary, including access to capital markets, refinancing etc. Summarize strengths and weaknesses and c

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