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Tony Williams, Loan Technologist
Commercial Lending Business Model
Analyze Borrower Risk
Analyze Deal Risk
Analyze Facility Risk
Analyze Collateral Risk
Analyze Outstanding Risk
Analyze Investor Risk
Measurement of risks
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Impacting the Borrower: Country, industry, geographic region, credit rating, guarantor,etc
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Impacting the Facility: Unfunded commitments, maturity dates, facility amounts, purpose, projected usage, type of facility, etc
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Collateral: Who has control, liquidity, level of volatility, valuation process
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Level of unparticipated outstanding amounts
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Credit worthiness of investors and their ongoing ability to fund undrawn amounts under current commitments
LIQ224-1
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