Structured and dynamic analysis of applicant companies’ competitive positioning and strategy and the relationship between this and credit risk
The influence of the competitive strategy and business environment on capital, capacity and collateral
Adjusting companies’ financial statements to reflect the analysts’ own views on the economic reality, as opposed to the companies’ disclosure
Correlation between reliable credit analysis and good financial disclosure
Segment analysis ratios that provide a deeper understanding of the relative performance and position of the different businesses within conglomerates
Identifying and adjusting for the most common ’deadly sins’ of cosmetic accounting
Critical credit issues involved in project finance and property lending
Constructing cash flow analyses that reveal much more about companies’ financial position and financial performance than the published financial statements intended
Linking credit and collateral analysis into the process of documenting, settling and monitoring loans
