Engagement
Credit file readiness review
Collateral, covenants, and repayment capacity checked against the narrative you plan to present to a credit desk.
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When an application leans on collateral or covenant headroom, the credit file must tell one story. Valuation dates, ownership records, and priority claims often diverge quietly across exhibits.
The credit file readiness review concentrates on those seams. We reconcile collateral schedules, flag covenant calculations that assume incomplete debt tables, and note where repayment capacity depends on unstated working-capital swings.
Clients usually commission this review when a relationship manager has invited a fuller pack, or when a prior submission returned with questions about security.