Corporate and commercial lending

Corporate and commercial lenders must balance growth ambitions with evolving borrower risks, margin pressures and rising expectations for faster, more consistent credit decisions. At the same time, managing large and diverse portfolios requires maintaining rigorous underwriting standards while improving the efficiency of recurring credit processes.

Crisil Integral IQ combines deep credit expertise, scalable delivery and technology-enabled solutions to support C&I, middle-market and large corporate portfolios. Our teams support bilateral and syndicated facilities across credit underwriting, financial modelling, periodic credit assessment, credit surveillance, collateral and covenant monitoring, portfolio analytics, and credit administration and operations, helping improve decision quality, strengthen portfolio oversight, and expand analytical capacity.

45+

Global and regional banking clients supported

10K+

Credit memos executed annually

150K+

Financial spreads and models prepared across industries

Our solution components

We provide due diligence and end-to-end credit assessment support, combining borrower and industry analysis, financial modelling and evaluation, transaction structuring and risk assessment to enable prudent credit decisions.

We deliver in-depth financial analysis, cash flow forecasting and scenario assessments to evaluate leverage, debt-servicing capacity and financial resilience across credit cycles.

We support broader enterprise valuation exercises through DCF modelling and valuation of key value drivers, normalisation of financials, and triangulation using market-multiples (including EV/EBITDA and other relevant benchmarks) to assess valuation, leverage capacity and downside risk across credit cycles.

We support the credit and lending lifecycle through scalable deal and transaction administration, documentation, credit-data management, quality controls, loan onboarding to servicing, and regulatory and management reporting.

We help lenders identify emerging risks proactively through continuous portfolio surveillance, covenant and exception monitoring, early-warning indicators and exposure analytics.

We support periodic credit reviews and renewals by reassessing borrower performance, financial forecasts, risk ratings, exposures and covenant compliance to maintain an up-to-date perspective on the obligor's creditworthiness.

We combine credit expertise with GenAI, automation, lending-platform enablement, workflow redesign, and data transformation to streamline credit processes, enhance operational efficiencies, boost analyst productivity, and strengthen decision-making.

The problems we solve

Research

Turning periodic reviews into continuous risk visibility

Overview

Integrated financial, covenant, and early-warning surveillance helps lenders/risk officers identify borrower credit quality deterioration earlier and focus direct attention on where risk is changing and evolving.

Scaling credit underwriting and monitoring without compromising rigor

Overview

Flexible analytical capacity enables lenders to manage fluctuating origination and review volumes while maintaining consistent underwriting standards and credit discipline.

Breaking the trade-off between speed and credit quality

Overview

Domain expertise, standardized workflows and technology-enabled processes accelerate credit decision-making while preserving analytical depth, governance and consistency.

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Corporate and commercial lending

Credit underwriting and transaction assessment

Financial analysis and forecasting

Enterprise valuation (EV)

Credit administration and lending operations

Portfolio monitoring

Annual reviews and periodic renewals

Credit transformation

Discover why the world's most prestigious global and regional financial institutions chose us as their strategic partner

Businesses

Businesses

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More from Crisil

Our Organisation

Investor Relations

Newsroom

Discover why the world's most prestigious
global and regional financial institutions
chose us as their strategic partner