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CREDIT-RISK-ANALYSIS4 MIN READ

Sort Rating Evidence

Sort credit signals by whether they require rating action, monitoring action, or no immediate action.

Sort each credit signal by the action it deserves today. Rating action Monitoring action File note Confirmed covenant breach plus liquidity below 30 days Borrower requested principal deferral after losing anchor customer Tax returns delayed and gross margin down for two quarters Inventory days rose 22 percent without updated aging detail Unverified market rumor that one customer may leave next year Borrower changed legal name after a routine reorganization with no debt change New appraisal shows collateral coverage fell below policy advance rate Borrower missed weekly cash-flow reporting for the first time

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