Corporate & Commercial Credit
Business model, financial performance, cash flow, leverage, liquidity, repayment capacity, downside risk, transaction structure, risk rating, and credit memorandum development.
Credit Capability
Where can TCA strengthen your institution’s credit capability?
From corporate and SME underwriting to private credit, portfolio monitoring, and specialized credit, TCA focuses on the analytical and decision disciplines that support better lending outcomes.
SME Credit
Financial interpretation, cash conversion, working capital, owner dependence, management assessment, collateral reliance, early warning, and decision documentation.
Syndicated Lending
Origination and participation responsibilities, transaction screening, financial modeling, pricing, covenants, documentation, intercreditor considerations, agency responsibilities, and monitoring.
Private Credit
Sponsor analysis, adjusted EBITDA, leverage, cash-flow conversion, debt capacity, documentation, covenants, liquidity, refinancing risk, downside scenarios, and recovery.
Financial Institutions & Sovereign Credit
Banks, insurers, sovereigns, public-sector entities, development finance exposures, and country / macroeconomic risk.
Portfolio Management & Early Warning
Credit-thesis monitoring, early-warning indicators, covenant surveillance, concentrations, watchlist discipline, stress testing, and escalation.