Credit Portfolio Services
Every borrower has terms. Most don't have anyone watching them.

Managed credit book oversight for private credit managers, from disbursement to maturity.

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Our team has worked across
IFC

Monitoring & Advisory
J.P. Morgan

Analysis
United Nations

Monitoring & Advisory
MF Jebsen

Monitoring & ESG Reporting
National Treasury

Monitoring & Advisory
Bopa Moruo

Monitoring
Deloitte

Advisory
Borrower Monitoring

Covenant compliance, repayment tracking, financial performance, and document obligations — every cycle.
Watchlist & Early Warning

Structured watchlist curation, stage migration signals, and early intervention tracking before deterioration compounds.
Impairment & Provisioning

IFRS 9 staging evidence, SICR tracking, and audit-ready impairment packs built continuously — not assembled under pressure.
CC & Investor Reporting

Credit committee packs, LP reporting, and portfolio reviews — consistent format, every cycle.
Credit Book — Control Status
Borrower A — Term Loan
Current
Borrower B — RCF
Watch
Borrower C — Unitranche
Current
Borrower D — Mezz
Flag
Borrower E — Asset-Backed
Current
8+
Facility types monitored across the credit book
12
Control dimensions tracked per borrower, per cycle
Monthly
Oversight rhythm delivered to your team, aligned to your calendar
4-step
Diagnostic process — begin with a single borrower cohort
The oversight gap
Credit losses are rarely surprises.
The signals were visible long before anyone acted on them.
01 — Bandwidth
Analysts carry too many names to monitor each one with consistent rigour
Credit analysts manage new originations, borrower relationships, credit committee preparation, and ongoing portfolio demands simultaneously. Consistent, structured monitoring across the full book requires a separate, dedicated control layer. Most credit teams do not have one. Attention concentrates on the loudest borrowers — and quieter deterioration accumulates untracked until it is urgent.
02 — Deterioration
Credit stress builds gradually before it becomes visible
Covenant pressure, slipping repayment patterns, late financial reporting, and collateral gaps accumulate over months. Without a structured monitoring layer, credit teams typically see the problem after it has compounded — not while it is forming. The borrowers generating the least noise are the least monitored, until they surface as a problem that should have been caught earlier.
03 — Evidence
Impairment evidence assembled under pressure is incomplete by design
When the impairment question arrives — at credit committee, with auditors, or with LPs — the supporting evidence needs to already exist. Assembling it in the week before the meeting is slow, incomplete, and carries audit risk. IFRS 9 staging decisions require a documented trail of SICR signals tracked over time. Maintaining that trail continuously is the only way to have it ready when needed.
"Credit awareness and credit oversight are different things. Oversight is structured, consistent, and evidence-based — and it requires a dedicated control layer to deliver it reliably."
The service
A managed control function. Built around your book and your credit cycle.

We run the oversight layer that sits between your credit team and your borrowers — providing the structured monitoring, watchlist discipline, impairment evidence, and reporting that a credit book requires but cannot reliably produce internally at consistent quality.

01
Borrower Monitoring

Covenant compliance, repayment tracking, financial performance, document obligations, and collateral status — every borrower, every cycle.
02
Watchlist & Early Warning

Structured watchlist curation, stage migration signals, risk rating review, and early intervention tracking — before deterioration has time to compound.
03
Impairment & Provisioning Support

IFRS 9 staging evidence, SICR documentation, ECL support, and audit-ready impairment packs — built continuously, not assembled under pressure.
04
CC & Investor Reporting

Credit committee packs, LP and investor reporting, and portfolio reviews — consistent format and quality each cycle, regardless of internal capacity.
Start with a borrower diagnostic.

Select a cohort of five to fifteen borrowers. We prepare the first control and oversight view. You assess the quality before any further commitment.

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