Confidential, no-obligation credit assessments that give issuers and arrangers an independent view of credit quality, before committing to a formal rating.
A No Cost Indicative Credit Assessment is a preliminary, confidential credit analysis conducted by Egan-Jones analysts using the same methodologies applied in formal rating engagements. Unlike a formal rating, the assessment is not published, not registered with regulators, and carries no ongoing monitoring obligation.
The assessment provides an indicative assessment range, not a specific rating, reflecting the credit grade or grades that Egan-Jones would likely consider if a formal rating were requested based on the preliminary information provided. The final rating may differ if and when additional information is received.
This service is particularly valuable for issuers in the early stages of a transaction who want to understand how their credit profile will be perceived before approaching investors, lenders, or internal approval committees. The indicative assessment is not a credit rating.
Indicative assessments are typically delivered within days of receiving the information package, enabling issuers to move quickly in time-sensitive transactions.
No Cost assessments are treated as confidential and are not published or disclosed to third parties. However, the assessment may be shared with regulators or auditors as applicable.
There is no obligation to proceed to a formal rating. The assessment is a standalone service that helps issuers make informed decisions before committing to the full rating process.
Direct access to the lead analyst to discuss the assessment rationale and understand the key credit drivers.
Assessments are conducted by the same analysts who issue formal NRSRO ratings, providing institutional-grade credit analysis without the public disclosure.
Any use of the indicative assessment is solely at the client's discretion. Egan-Jones makes no representation as to the suitability of the assessment for any particular purpose.
Use an indicative assessment to anchor investor conversations around credit quality and pricing expectations in a private placement context.
Provide an independent, third-party credit view to internal investment committees or credit approval processes.
Insurance companies and regulated investors can use indicative assessments to plan capital treatment ahead of a formal NAIC-recognized rating.
Assess credit quality ahead of a refinancing to identify potential rating changes and prepare accordingly.
Explore how Egan-Jones would approach rating a novel or complex asset class before committing to the full rating engagement.
A streamlined four-step process, from initial request to delivery of the indicative assessment.
Contact Egan-Jones with a brief description of the transaction and the type of assessment needed.
Share the relevant financial data, deal documents, and any third-party reports. The information request is tailored to the asset class.
The lead analyst reviews the materials and prepares an indicative credit assessment using the applicable Egan-Jones methodology.
The indicative assessment is delivered in writing, including the indicative assessment level and the key credit considerations that drive it.
Contact our team to discuss your transaction and receive an indicative credit assessment at no cost and with no obligation to proceed.