SERVICES
Borrower information collected, normalised and tied to monitoring obligations.
Borrower information collected, normalised and tied to monitoring obligations through a controlled, source-linked workflow.
Overview
Borrower information control manages recurring financial statements, compliance certificates, KPI packages and other asset-level information used in credit operations.
Below Credit Operations.
Why it matters
Private-credit managers receive borrower data in heterogeneous documents and periods, making portfolio-wide monitoring difficult.
Common operating challenges
- Late borrower reporting.
- Different templates/definitions.
- Missing period/KPI fields.
- No link to covenant tests or portfolio reporting.
What we deliver
| Capability | What it covers |
|---|---|
| Obligation tracking | Know what each borrower owes and when. |
| Document intake | Collect and classify reports/certificates. |
| Data extraction | Create structured approved metrics. |
| Quality checks | Validate periods/definitions/completeness. |
| Downstream feed | Provide data to covenant/reporting workflows. |
Our role can be configured around a defined operating mandate: a recurring managed service, a technology-enabled client workflow, or a co-sourced model in which execution and review are split between Kelton, the client and appointed providers.
Inputs, workflow and outputs
Typical inputs
- Borrower financials
- Compliance certificates
- KPI reports
- Loan terms/obligations
Controlled workflow
| Step | Activity | What happens |
|---|---|---|
| 1 | Schedule | Set due dates. |
| 2 | Collect | Receive documents. |
| 3 | Extract | Create structured data. |
| 4 | Validate | Check period/completeness. |
| 5 | Escalate | Chase missing/unclear items. |
| 6 | Publish | Feed approved data downstream. |
Typical outputs
- Borrower data register
- Missing/late report list
- Structured financial/KPI dataset
- Source lineage
Controls and review
The workflow is designed so that automation does not obscure responsibility. Routine processing can be standardised; exceptions, material judgements and formal approvals remain visible and attributable.
- Source citation.
- Period/version checks.
- No investment conclusion generated automatically.
Responsibility boundary
We support information operations; credit judgement and borrower/legal decisions remain with the manager/authorised parties.
Technology & expertise
Our operating model combines specialist knowledge with controlled technology. Domain experts define the rules, review logic and exception criteria; the technology layer makes the workflow repeatable, traceable and scalable.
Technology
- Document AI.
- Obligation calendar.
- Data-quality rules.
Expertise
- Private-credit data.
- Financial statement review.
Expert knowledge is converted into controlled rules, SOPs, checklists, validation tests and exception criteria so that the operating standard is embedded in the workflow rather than dependent on one individual.
Delivery models
| Model | How it works |
|---|---|
| Managed Operations | We execute the agreed recurring workflow. Client and appointed-provider approvals remain explicit. |
| Technology Enablement | We implement the data, workflow and control layer for the client team to operate. |
| Hybrid / Co-sourced | Execution and review are shared through a documented responsibility and escalation model. |
| Transition & Implementation | We mobilise the workflow during a launch, provider change or target-operating-model transition. |
Frequently asked questions
Can AI read borrower financials?
It can extract and compare information, but source-linked validation and specialist review are required.
How does this connect to covenants?
Approved borrower metrics feed covenant calculations under controlled definitions.
Discuss Borrower Information Control
Start with one workflow, one operating issue or one provider transition. We will map the current process, responsibility boundaries, required data and a practical first engagement.