Credit risk Solutions

With clear solutions, Fenix helps companies mitigate credit risk and maximize recoveries.  We offer an array of value-added advisory services at key touch points in the capitalization cycle.  We support the origination, review, syndication, default, and exit processes.  Fenix provides independent, insightful, industry-specific analyses.  Clients include institutional lenders, private equity groups, bondholders and investors who want to better identify or confirm credit risk, formulate strategies to mitigate those risks, and design effective exit strategies.  Specific services include:

Litigation Support – No reasonable business wants to litigate.  But when it becomes unavoidable, Fenix can make sure the litigation "cure" is not worse than the disease.  Leveraging decades of experience with the legal industry, Fenix helps develop unbiased pre-litigation strategies, procurement of legal services, and case management.  Using streamlined litigation budgets and strategic benchmarks, we proactively manage lawsuits and bankruptcies.  We collaborate with businesses and their chosen lawyers to produce better attorney-client relationships, more efficient provision of legal services, and better results.

Pre-Default Intervention – At the first sign of trouble with a loan, call Fenix.  It can be the difference between a quick turnaround and full-blown litigation.  When there is a covenant break or other default, Fenix provides a cost effective alternative to either ignoring the problem, or reflexively "lawyering up."  As an intermediary, we quickly cut through excuses and identify workable solutions, if there are any.  This allows lenders to make informed, value-added decisions about the best course of action -- ranging from a collaborative work out to an expedited strategic exit. 

Performance Monitoring –  Properly implementing credit risk solutions is just as important as formulating them.  That is why Fenix uses customized KPI’s, benchmarks, balanced scorecards and site visits to provide performance-to-plan evaluations on a monthly, quarterly or annual basis.  The result is cost-effective “real time” monitoring of credit performance and the ability to more quickly identify and respond to the unexpected.

Enhanced Front-End Diligence – Fenix provides enhanced pre-funding lender diligence.  We get behind the numbers with a “boots on the ground” approach, providing an extra dimension to credit risk assessment. After indepednanly  evaluating the practical aspects of a potential borrower's operations, we tailor our analysis to your underwriting criteria and lending objectives.  We convert that analysis into a straightforward, actionable report that can be used for more accurate underwriting, risk mitigation, debt structuring and pricing, as well as better long-term asset management and client relations.