Move a solid lender to complex files
Standard files are fine. Transitions, growth companies and sector stress are not.
The situation
A capable lender handles standard files and escalates anything unusual.
- An estate freeze or a retractable preferred share stops the file.
- A borrower with no earnings is declined because nobody can size repayment.
- Credit committee returns files for reasons written nowhere.
What Crediteris answers with
- Pathway PW-4
- 20.5 hours over 9 to 12 months, ending in a level 3 certification.
- The transactions that stall
- CA-301 acquisition and transfer financing, CA-302 growth and technology companies.
- The files that go wrong
- CA-305 restructuring and special situations, CA-304 early warning and annual review.
- A committee that pushes back
- CA-307, a credit committee simulation, 240 minutes and 95.8% active.
How you know it worked
20.5 hours
between a level 2 lender and one who defends a complex file.
What is missing today
The capstones are specified and not built. No assessment can be scored today.