Independent business review services
The Deloitte methodology
Our credit advisory and independent business review (IBR) offering can support you in rescheduling or restructuring a borrower’s loan. An IBR includes a business plan review and a stakeholder analysis to provide the lender with strategic rescheduling and restructuring options. An independent business review is not only used to assess the repayment ability of the borrower or the recoverability of the loan but also to provide comfort to the credit committee and the regulators as to the correct classification of the loan in accordance with accounting and the regulatory standards. Finally an IBR can assist the lender in updating loan agreements and covenants including short term cash flow report templates for better ongoing monitoring.