Our experienced credit risk team conducts robust due diligence and rigorouscredit evaluation for all corporate debt opportunities to curate quality opportunities for investors.
Pre-Sanction Credit Risk Assessment
Key factors analysed:
During the process of structuring a potential investment opportunity, the credit risk team identifies the risk associated and designs appropriate mitigants to minimize those risks through the application of various covenants and security packages.
Restrictions on repayment of other loans or corporate guarantees, until repaid to Jiraaf
Maintaining certain parameters such as Revenue, Costs, EBITDA, cash burn, etc.
Adherence to sufficient funds in Reserve Account for Servicing Debt
Restrictions on change in capital structure/management, shareholding pattern, etc.
Preserving credit rating of the company and maintaining pre-determined debt-equity ratio
No fundamental change to company such as Name, Registered Office, Authorised Capital
We periodically engage with the counterparty to assess their financial health, monitor covenants,and identify any early stress signals to take pre-emptive corrective actions.