Credit Risk and Ratings

As experts in risk management for global financial firms we are able to adapt good controls and measureable methodologies to meet your local and global propositions. We start by reviewing your current state of credit rating, cash flow position and composition of your portfolio before proposing any solution.

Poor credit ratings have impact on perception about business, management team and ability to source funding for projects. There are public credit agencies for retail (individuals, SMEs and none rated corporate) whose main tasks is to keep data that reflects of the subject financial activity history and there is rating agencies for larger entities and sovereign states.

Most individuals and businesses assume that data kept by credit and ratings agencies are accurate. Credit and ratings agencies illustrate some posturing that has served as defensive mechanism against subjects whose data they sell to make earnings for their stakeholders challenging data quality kept for further analysis.

There are legislations protecting your right to information and it is relevant that data recorded about you should not be based on alleged accuracies but must reflect facts. We have an associate credit agency/ratings firm called Unique Ratings specialising in emerging markets and the team has overall responsibility in advising and assisting clients improve on credit information made available to general public consumption.

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Proficient Management Consulting and Training (PMCT) specialise in accounting, consulting and training services. We are committed to providing you with an end-to-end integrated services, IT solutions and products that meets personal and businesses unique requirements.

PMCT specialise in Accounting Services, Taxation, Consultancy, Risk Management, Software Solutions, Data Management, Financial Product Development, Risk Management, Compliance & Regulatory Reporting, OTC Financials, Emerging Markets and Training.

PMCT models are not just one of the very best but unique as our approach focuses on solution delivery tailored to satisfy specific client needs and requirements. PMCT provide progressive intelligent solutions to meet specific requirements of a business sector and or client regardless of size and geographical placement.

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