Financial Statement
Spreading
What We Do
We extract and capture financial data from borrower financial statements directly into lenders’ spreading and risk systems—applying each lender’s unique policies and spreading rules to ensure compliance and consistency.
How We Do It
Our experienced team of analysts combine accounting and credit expertise to deliver accurate, policy-aligned data capture tailored to each lender’s requirements and platform.
Why It Matters
Better Credit Decisions: High-quality, standardised data aligned to your policies enables stronger, risk-based lending decisions.
Policy-Driven Consistency: We apply your specific spreading rules to ensure alignment across portfolios and support audit readiness.
Increased Efficiency: Free up internal resources, reduce rework, and speed up turnaround times—without compromising accuracy.
Consistency Across Portfolios: Enables reliable peer comparisons, risk analysis, and strategic portfolio management.
Proven Accuracy: Our error rates remain consistently minimal and well within client-defined thresholds—delivering peace of mind and dependable performance.
Spreading
Validation
What We Do
We enhance the accuracy of automated financial statement spreading systems by providing expert human validation, correction, and compliance assurance.
How We Do It
Our experienced analysts review and refine auto-spread results, ensuring alignment with financial reporting standards (IFRS & US GAAP) and client-specific rules. We integrate seamlessly with commonly used platforms, maintaining agreed service levels and ensuring consistency across all financials. CEEi works directly with clients under independent agreements while maintaining a quality feedback loop.
Why It Matters
Enhanced Accuracy: Human validation corrects AI output, ensuring reliability and compliance.
Operational Efficiency: We help institutions avoid processing delays caused by limited skilled personnel.
AI Enablement: Our oversight strengthens automation and improves model effectiveness.
Scalable Capacity: We process over 25,000 financial statements annually—with infrastructure ready to scale.
Credit Monitoring &
Portfolio Reporting
What We Do
We monitor interim financial statements to assess compliance with covenants and identify early warning signs of increased credit risk—providing lenders with proactive portfolio oversight.
How We Do It
Our experienced analysts review and analyse interim statements, perform covenant calculations, and apply consistent rules to align interim data with annual financials. We flag breaches, trends, and potential risk indicators, ensuring nothing gets missed. As part of our offering, we also provide outsourced portfolio reporting—tailored to your internal governance and escalation protocols.
Why It Matters
Early Risk Detection: Identify covenant breaches and red flags well before annual reviews—enabling proactive intervention.
Consistency & Accuracy: We standardise interim data for compatibility with annual financials, ensuring meaningful analysis across reporting periods.
Resource Optimisation: Free up your internal teams to focus on judgement-based decisions, while we handle the routine monitoring and reporting.
Actionable Insights: Our outsourced reports go beyond compliance checks—they highlight material risks and emerging trends across your credit portfolio.
Credit
Write-up
What We Do
We assist lenders by pre-populating all generic sections of credit analysis documentation—aligned to each client’s specified format—allowing their teams to focus on deal-specific insights.
How We Do It
By combining our deep expertise with a detailed understanding of each client’s templates and requirements, we efficiently complete all standardised components of the analysis, setting the stage for seamless deal customisation.
Why It Matters
Efficiency at Scale: Free up your highly skilled teams to focus on complex, high-value deal-specific analysis.
Accuracy & Consistency: Ensure consistent, high-quality documentation across your portfolio.
Faster Turnaround: Accelerate the credit assessment process by reducing manual input on repetitive, generic content.
Credit
Analysis
What We Do
We deliver detailed credit analysis to support informed lending decisions. This includes comprehensive financial statement analysis—such as ratios, cash flow trends, and liquidity measures—as well as narrative commentary highlighting strengths, weaknesses, year-on-year changes, and peer comparisons.
How We Do It
Using industry-leading tools and methodologies, our team produces high-quality, tailored reports aligned with each client’s format and focus areas. We adapt our analytical write-ups to meet your specific reporting standards and credit risk appetite.
Why It Matters
Expert Insight, On Demand: Access high-quality credit analysis without the need for an extensive in-house team.
Customised & Consistent: Get analysis that aligns with your internal frameworks and decision-making processes.
Smarter Resource Allocation: Let your senior credit professionals focus on decisions, not documentation—freeing up valuable capacity.
Advisory
Services
What We Do
We help clients select and implement the most suitable credit analysis, risk grading, portfolio management, or loan origination systems—ensuring their infrastructure supports efficient and effective credit processes.
How We Do It
With deep, hands-on experience across banking, investment, and corporate credit environments, we provide practical guidance tailored to your operational needs and strategic goals.
Why It Matters
Fit-for-Purpose Solutions: We guide you in choosing systems that align with your business model, risk appetite, and workflow.
Seamless Implementation: Our support ensures smooth execution, user adoption, and integration—maximising return on investment.
Trusted Expertise: Leverage decades of real-world credit experience to avoid costly missteps and accelerate results.
+27 11 783 5220
info@ceei.co.za
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