Structures credit committee packages with borrower analysis, risk assessment, structuring proposal, and recommendation documentation. Use when preparing credit committee materials, presenting loan opportunities, or documenting credit decisions.
Scanned 9/12/2026
Install to Claude Code
npx -y skills add CaseMark/skills --skill conducting-credit-committee-presentations --agent claude-codeInstalls into .claude/skills of the current project.
Are you the author of Conducting Credit Committee Presentations?
Add the live security badge to your README — it updates automatically with every re-scan.
[](https://www.skillsdirectory.com/skills/casemark-conducting-credit-committee-presentations)More formats (shields.io, HTML) on the badges page.
---
name: conducting-credit-committee-presentations
language: en
description: Structures credit committee packages with borrower analysis, risk assessment, structuring proposal, and recommendation documentation. Use when preparing credit committee materials, presenting loan opportunities, or documenting credit decisions.
tags:
- process
- credit-and-institutional-lending
- risk
- credit
metadata:
author: casemark
practice_areas:
- Credit Markets
- Leveraged Lending
- Direct Lending
document_types:
- Process Documentation
skill_modes:
- Process Management
---
# Conducting Credit Committee Presentations
Structures credit committee packages with borrower analysis, risk assessment, structuring proposal, and recommendation documentation.
## When To Use
- Preparing a new deal for credit committee approval (direct lending, leveraged loan, or syndicated facility)
- Updating an existing credit for annual review, amendment, or waiver request
- Documenting the committee's decision rationale for audit and regulatory files
- Presenting a workout, restructuring, or watchlist escalation to the committee
## Inputs To Gather
- **Borrower financials**: Audited and interim statements, quality-of-earnings adjustments, management projections
- **Deal terms**: Term sheet or commitment letter, pricing grid, covenants, maturity, amortization schedule
- **Industry data**: Sector overview, peer comps, relevant market benchmarks (e.g., LCD/Pitchbook leveraged lending stats)
- **Collateral / security package**: Asset appraisals, lien priority, guarantor analysis
- **Third-party reports**: Appraisals, environmental, insurance certificates, legal due diligence memos
- **Internal risk rating**: Proposed rating with scorecard inputs, migration history if existing borrower
- **Sponsor / management background**: Track record, key-person risk, ownership structure
## Workflow
1. **Build the Executive Summary**
- One-page overview: borrower name, industry, transaction type (new money / refinancing / amendment), requested facility size, and clear recommendation (approve / approve with conditions / decline).
- State the investment thesis in 2–3 sentences: why this credit fits the portfolio mandate.
2. **Draft the Borrower & Industry Analysis**
- Company overview: business model, revenue mix, customer concentration, competitive positioning.
- Historical financial performance (3–5 years): revenue, EBITDA, margins, capex, free cash flow.
- Industry dynamics: cyclicality, regulatory exposure, secular trends. [VERIFY sector-specific risk factors against current market conditions]
3. **Present the Financial Model & Projections**
- Base, upside, and downside cases with key assumptions stated explicitly.
- Credit metrics at each scenario: Total Debt / EBITDA, Senior Secured / EBITDA, Interest Coverage, Fixed Charge Coverage, Debt / Total Capitalization.
- Sensitivity tables on revenue decline, margin compression, and interest rate changes.
4. **Detail the Proposed Structure**
- Facility breakdown: tranches, sizes, pricing (spread + floor), OID, maturity, amortization.
- Covenant package: financial maintenance covenants (leverage, coverage) with proposed levels and cushion analysis; incurrence covenants and key negative covenant baskets.
- Security and guaranty package, including intercreditor considerations for multi-tranche deals.
- Fees: commitment, unused, agency, prepayment penalties.
5. **Assess Key Risks & Mitigants**
- Enumerate top 5–7 risks (industry, operational, financial, structural, sponsor, legal/regulatory).
- For each risk, state the specific mitigant or structural protection.
- Include downside recovery analysis: estimated enterprise value at stress, coverage of secured debt.
6. **Assign Internal Risk Rating**
- Apply the institution's rating methodology; show scorecard inputs and outputs.
- Compare to external ratings if available (Moody's, S&P, Fitch). [VERIFY rating methodology aligns with current internal policy]
- Note any overrides or qualitative adjustments with justification.
7. **State the Recommendation & Conditions**
- Clear approve / conditional approve / decline recommendation.
- List all conditions precedent to closing (legal opinions, insurance, environmental sign-off, KYC completion).
- Specify any portfolio-level considerations: hold size vs. target, industry concentration limits, single-obligor limits. [VERIFY against current portfolio limits and concentration policy]
8. **Compile Appendices**
- Detailed financial statements and spreads
- Organizational chart and ownership structure
- Comparable transaction / comp table
- Draft term sheet or markup summary
- Covenant compliance projections over the facility life
## Output
A complete credit committee package containing:
- **Executive summary** (1 page) with clear recommendation
- **Borrower & industry analysis** (2–4 pages)
- **Financial model summary** with scenario analysis and sensitivity tables
- **Structuring memo** covering terms, covenants, and security
- **Risk matrix** mapping each identified risk to its mitigant
- **Internal risk rating worksheet**
- **Appendices** with supporting data and documentation
Format the package to match the institution's standard credit memo template. Use consistent units ($ in millions unless otherwise noted), and label all EBITDA figures as to whether they are reported, adjusted, or pro forma.
## Quality Checks
- [ ] Every financial metric ties back to the sourced financial statements or QoE report
- [ ] Base, upside, and downside scenarios use clearly stated and differentiated assumptions
- [ ] Covenant cushion analysis shows headroom at each projection period under the base case
- [ ] Risk section addresses at minimum: industry, leverage, cash flow, collateral, and sponsor/management risk
- [ ] Internal risk rating is calculated per current policy with any overrides documented
- [ ] Hold size and concentration are checked against portfolio limits [VERIFY current limits]
- [ ] All [VERIFY] items have been resolved or flagged for committee discussion
- [ ] No inferred data is presented as confirmed — assumptions are labeled explicitly
Is this your skill, or is something wrong with this listing? Request removal or report an issue. Author removals are honored within 72 hours.
No comments yet. Be the first to comment!