What is the ArchOver approach to Credit Analysis?

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We employ a traditional Five C approach: Character; Capital; Capacity; Conditions and Collateral. We believe the only way to achieve this is to discuss with the owners and senior management of the business to understand where it has been, where it is today and where it wants to go tomorrow. Understanding a business is a complex, multidimensional challenge and we employ both quantitative and qualitative elements when reaching judgments. The primary goal for the Credit team at ArchOver is to produce consistent and authoritative industry leading analysis to deliver the best possible investment outcomes for our Lenders.