medium · Frm Part 2 Credit Risk

How does an 'Overcollateralization (OC) Test' in a Collateralized Loan Obligation (CLO) protect senior noteholders during a credit downturn?

  1. It triggers an immediate liquidation of all underlying loans to repay the senior notes at par.
  2. It increases the coupon rate paid to senior noteholders to compensate for higher risk.
  3. It redirects interest cash flows to pay down senior principal if the collateral-to-notes ratio falls below a threshold.
  4. It requires the collateral manager to inject new capital into the SPV.

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