hard · Corporate Credit Analysis

An analyst is evaluating a Senior Secured Term Loan for a BB rated company. The collateral is valued at 1.5× the loan amount. However, the analyst notes the presence of a 'PD floor' in the agency methodology.

What does this suggest about the final issue rating?

  1. The rating will be B because secured debt has higher volatility.
  2. The rating is capped at BB+ or BBB- regardless of recovery.
  3. The rating will be AAA because the recovery is certain.
  4. The rating will be the same as the ICR because the floor prevents uplift.

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