When a borrower is in distress, you need an independent adviser who understands credit, knows what lenders need to see, and can deliver analysis you can rely on. That is exactly what Rebound Advisory provides.
Brendan Richards led a team of senior professionals at NAB managing the bank's workout portfolio. He has sat in the credit team's chair. He knows what a lender needs to see in an independent review - because he was the one reviewing it.
Claire Gaffney brings direct experience from ANZ's distressed lending team. She understands how credit committees assess risk, what triggers a formal review, and how borrower-side analysis can help lenders assess a credible recovery proposal.
Brendan and Claire bring careers across PwC, KPMG, Ferrier Hodgson, Pitcher Partners, ANZ and NAB. Their experience helps Rebound frame analysis around the practical questions credit teams need to assess.
Independent reviews that help credit teams examine a borrower's financial position, cashflow, assumptions and realistic options. Scope and reporting requirements are agreed before work starts.
We work with borrowers to structure realistic recovery proposals - reducing the time and cost of enforcement, and increasing the likelihood of a consensual outcome.
Ongoing monitoring of distressed borrowers against agreed milestones, with regular reporting to lenders in the format your credit team requires.
Commercial recovery workstreams that support directors and their legal and tax advisers in assessing Safe Harbour, while giving lenders a clearer evidence base and reporting cadence.
Most restructuring engagements begin too late. By the time a formal process is triggered, recoveries have already eroded - for lenders, for creditors, and for the business itself.
Rebound Advisory works with borrowers at the earliest signs of distress. Our goal is a consensual restructure, not an enforcement action. That means lower cost, faster resolution, and significantly better recoveries.
If your borrower is showing early signs of stress - missed reporting, covenant pressure, deteriorating trading - that is the right moment to call us. Not when you are calculating a provision.
Reports structured to credit committee requirements
A scope, information list and delivery cadence agreed at the outset
Direct access to Brendan or Claire - no account managers
A clearly stated scope, evidence base, assumptions and limitations
Experienced in both borrower and lender perspectives
Direct access to the advisers responsible for the agreed work
Sector
Commercial Property
Engagement Type
Lender-Commissioned IBR
Outcome
Decision support
The Situation
When a lender needs an independent view of a distressed exposure, the core questions are usually the same: whether the business remains viable, what cash is available, what assumptions matter, and which options are realistic.
Our Approach
An appropriately scoped review can examine current financial information, cashflow, asset or security assumptions, debt serviceability, management actions and the limitations in the available evidence. It should make clear what has and has not been tested.
The Outcome
The purpose is not to prescribe an outcome. It is to give decision-makers a transparent factual basis for deciding whether to support a consensual path, seek more information, restructure the exposure or consider other available options.
Credit teams and relationship managers can reach Brendan or Claire directly. No switchboards. No account managers. Just a direct conversation with the people who will do the work.