Credit Rating Optimization Advisory
It’s crucial to consider the differences in credit methodologies and your industry’s credit ratios among rating agencies. Selecting a credit rating agency that aligns with your organization’s unique profile and presenting your case in an impactful manner are essential steps for optimizing results in credit rating. We understand what works, where, when, and how to present supportive data and research to achieve the best results with selected rating agencies.
Let us guide you through this process and maximize your chances of success in rating optimization.
PRC BLR advisory provides end-to-end close supervision to achieve a deserving credit rating from the best possible rating agency. Our advisory services bridge your unique credit profile to the most appropriate rating agency and conduct thorough analysis therein. We emphasize the importance of selecting a suitably matched credit rating agency based on your organization’s unique profile and delivering an impactful presentation for optimal results.
Our Scorecard
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PRC Bank Loan Rating Advisory Enhance Possibility of Rating Optimization. Our success mantra is our mindset and working style that is as follows:
PRC Success Mantra Reasons to Choose Us
We believe in executing a detailed, thorough, and research-backed assessment to set achievable goals for our clients. While we aim to achieve our clients’ desired rating, we understand that sometimes these goals may need to be pursued in a phased manner. This ensures feasibility and avoids over-commitment.
Our process involves understanding what can be realistically achieved at present and then planning for future steps based on our assessment. After conducting a pre-login assessment, we present our offer to the client. Upon client approval, we execute the mandate as per mutually agreed terms.
Post securing the initial rating, we continue to assess opportunities for further optimization. We conduct internal exercises periodically, typically every 5-6 months or in response to any material events, to gauge the scope for further enhancements.
Our approach is focused on long-term sustainability and maintaining a strong relationship with our clients.
We leverage large pool of research, data and our 80+ years combined experience for our client
We leverage a vast reservoir of research, data, and over 80 years of combined experience to serve our clients effectively. Our extensive resources include a wide range of research reports, databases, tentative benchmarking, peer comparisons, and comprehensive policies related to credit rating and agencies. We continually invest in enhancing our data and research capabilities, recognizing their critical role in achieving desirable outcomes for our clients.
Our highly qualified and experienced PRC team members bring diverse backgrounds from mid/large corporates, banks, and credit rating agencies. This deep-rooted industry experience enables us to understand the intricate workings and mindset of analysts and senior officials within credit rating agencies. With over a decade of hands-on experience in these organizations, our team comprehends how information is perceived by rating agencies and how concerns can be effectively mitigated.
Furthermore, our team members come from varied academic backgrounds, including CA, CFA, Engineering, ICWA, and MBA, fostering a collaborative environment that promotes synergy and allows for the exploration of innovative strategies
The AAPER (Analysis, Assess, Planning, Execute, and Repeat Analysis) approach is a continuous process followed by our team at PRC. This approach is designed in-house to ensure goal achievement in a timely manner with minimal deviations. Here’s how we implement AAPER:
Analysis: We conduct in-depth analyses of financial and non-financial data points to understand the current business and financial profile comprehensively.
Assess: Based on our analysis, we assess the optimization possibilities considering the present market scenario and the strengths and weaknesses of the business and financial profile.
Planning: We engage in thoughtful holistic planning in a proactive manner, breaking down the process into small, manageable steps. Each step is carefully planned at a micro level to ensure synergy and alignment with the set goals.
Execute: During execution, we ensure smooth implementation of the plan, leveraging our strong analysis, assessment, and planning. We aim to bring results and execute the process as agreed upon with the client.
Repeat Analysis: Throughout the execution phase, we continuously measure deviations between ongoing execution and planned execution. This allows us to take timely corrective action and keep the execution on track toward achieving the set goals.
This continuous process of analysis, assessment, planning, execution, and repetition is repeated until the set goals are successfully achieved
PRC is deeply rooted in its core values, which serve as guiding principles for our actions and conduct. These values, including Integrity, Responsibility, Excellence, Pioneering, and Unity & Mutual Growth, steer us toward our goals without compromising on ethical practices or making over-commitments.
Our commitment to these values ensures that every solution we offer, design, and execute is in alignment with our clients’ objectives, fostering a sense of mutual benefit and accomplishment. We prioritize integrity in all our dealings, ensuring there is no conflict of interest, and we uphold the highest standards of integrity in the market.
By embodying these core values, we create a solid foundation for trust, collaboration, and success with our clients.
PRC Policy on Acceptance of BLR Advisory Mandate:
PRC has a well-defined policy regarding the acceptance of BLR (Bank Loan Rating) Advisory mandates. Our approach begins with a thorough pre-login assessment using internally designed templates and models. These tools help us assess the scope of optimization and identify if a client’s organization is underrated compared to its potential. If our assessment indicates that there is room for improvement, we engage in detailed discussions with the client to propose strategies for achieving a deserving rating. Upon receiving approval from the client on our proposed strategies, we take proactive steps as their representative in dealings with the rating agency.
Leveraging our extensive research, database, industry knowledge, and ethical practices, we work transparently to optimize the client’s credit rating. Our goal is to ensure that the client’s interests are always at the forefront, and we strive to achieve optimal results while maintaining the highest standards of professionalism and integrity.
Learn & Know More
PRC Detailed success mantra
PRC value added step wise process of Bank loan rating
“To do list” for bank loan rating optimization
Bank loan rating guide (Process & FAQs)
List of documents required for bank loan rating
Factors considered for credit analysis
Credit rating agencies’ methodologies
Benefits of Rating
Rating Scales & Significance