Kit pejabat kredit
Memo kredit, dasar peringkat kredit, tinjauan penilaian agunan, tinjauan kredit tahunan, rencana penyelesaian kredit bermasalah, dan metodologi ECL.
Evaluasi dan keselamatan
Credit Memo Template (Lender Credit Application, DSCR, RAROC)
LengkapLender credit application: borrower, structure, financials, downside cases, DSCR, leverage, guarantees, covenants, rating, EL, RAROC, ESG, approval
EBA/GL/2020/06 loan origination; CRR3 IRB floorsCredit Rating Rationale Template (Obligor and Facility Rating, PD, LGD)
LengkapInternal rating file: master scale, scorecard, grade mapping, peers, drivers, override log, group and country, LGD, CCF, EAD, triggers
CRR Arts 169-178 (as amended by CRR3); EBA/GL/2017/16Collateral Valuation Review Template (CRR Art. 208, 229, EBA)
LengkapBank review of a property valuation: valuer independence, method and evidence, findings, haircuts, LTV and CRM eligibility, monitoring and revaluation
CRR Arts 208, 229; EBA/GL/2020/06 Section 7; EBA/GL/2018/06 Section 9; 12 CFR 34 Subpart CCovenant Compliance Certificate Template (Leverage, Interest Cover, DSCR)
LengkapBorrower covenant certificate: definitions by clause, leverage, interest cover, DSCR, liquidity, capex, EBITDA bridge, headroom, guarantor coverage, ratchet
Facility agreement practice (LMA/LSTA forms by name only)Bond Credit Analysis Template (Investor Credit Memo)
LengkapInvestor bond credit view: internal rating, business risk, ratios, stress, liquidity, recovery waterfall, covenants, yield, duration, spread vs expected loss
EU CRA Regulation 1060/2009 Art. 5a; CRD (Directive 2013/36/EU) Art. 77; Dodd-Frank s.939A