Value4Capital Publishing · Finance & Treasury series
Credit Risk, Rating & AI
Understand credit risk. Build a stronger financial dialogue.
Creditworthiness influences access to funding and financing conditions. Connect risk metrics, cash generation, reporting quality and artificial intelligence with the decisions that support a resilient financial structure.
Publication forthcoming · Edition details will be announced on release.
Why read this book
Manage the drivers behind the rating.
A rating is part of a wider financial picture. This guide connects the lender’s assessment with the company’s funding needs, repayment capacity and information quality, helping professionals organise a more informed dialogue with banks.
Ideas to take into your work
Key insights
Rating is a strategic lever
Read the rating alongside fundamentals, funding needs and credible sources of repayment.
Collateral is not enough
Default probability, potential loss and exposure describe different dimensions of risk.
Growth can widen the funding gap
Paying before collecting can put pressure on liquidity even when a business is profitable.
AI needs context
An anomaly is a signal to investigate. Explainability does not automatically demonstrate an economic cause.
Questions for the board
Ask better questions.
Make better decisions.
Five questions to take into your next management or board discussion — connecting the book’s themes with real business choices.
- Is the debt structure aligned with investment needs and the cash cycle?
- How much liquidity headroom remains in an adverse scenario?
- Which factors are influencing our creditworthiness?
- Does our reporting allow banks to understand the current business position?
- Who validates AI model alerts and decides the resulting actions?
Your reading path
Inside the book
01Creditworthiness and default
Why ratings matter; default classifications and the interpretation of financial distress.
02Risk metrics and capital
PD, LGD, EAD, expected and unexpected loss; distinguish prudential measures from IFRS 9 ECL.
03Rating, governance and lending
Rating construction, expert adjustments, credit approval and financing conditions.
04Monitoring and the CFO’s levers
Early warning, reporting, debt sustainability, liquidity and the working capital funding gap.
05AI and transactional data
Data coverage, signal quality, explainability and an illustrative operating-shock case.
06CFO checklist and glossary
Ten operational actions and a glossary of the key terms used throughout the guide.
Grouped from the contents of the available revised manuscript.
From understanding to action
Put the ideas into practice.
- Build a coherent financing dossierConnect financial statements, banking information, cash forecasts and the business plan.
- Give early warning a processAssign responsibility, corrective action and a review date to each material anomaly.
- Use the CFO checklistTurn the ten actions in the guide into recurring controls with clear owners and evidence.
The perspective behind the content
Gémino Di Giuliano
A complementary perspective
Continue your reading.
