What lenders usually ask after an analytics review
Credit officers rarely stop at the cover ratios. They ask which exceptions you closed, which remain open, and who owns the open ones. A review memorandum that buries unresolved items loses trust quickly.
Expect questions on concentration: largest customers, largest suppliers, and how receivables aging moved versus sales growth. Have the aging schedule ready with the same period labels as the analytics.
If inventory turns slowed, prepare a short note on mix or slow-moving stock rather than a generic market comment. Lenders notice when explanations lack a schedule.
Bring the evidence index to the call. Being able to point to a binder section or shared folder for each material variance shortens the conversation and reduces follow-up email chains.