Conducting Credit Committee Presentations

Structures credit committee packages with borrower analysis, risk assessment, structuring proposal, and recommendation documentation.

When To Use

• Preparing a new deal for credit committee approval (direct lending, leveraged loan, or syndicated facility)
• Updating an existing credit for annual review, amendment, or waiver request
• Documenting the committee's decision rationale for audit and regulatory files
• Presenting a workout, restructuring, or watchlist escalation to the committee

Inputs To Gather

• Borrower financials: Audited and interim statements, quality-of-earnings adjustments, management projections
• Deal terms: Term sheet or commitment letter, pricing grid, covenants, maturity, amortization schedule
• Industry data: Sector overview, peer comps, relevant market benchmarks (e.g., LCD/Pitchbook leveraged lending stats)
• Collateral / security package: Asset appraisals, lien priority, guarantor analysis
• Third-party reports: Appraisals, environmental, insurance certificates, legal due diligence memos
• Internal risk rating: Proposed rating with scorecard inputs, migration history if existing borrower
• Sponsor / management background: Track record, key-person risk, ownership structure