More settlements.
No new hires.
Your fractional senior credit manager for complex structures — multi-entity groups, trust/trustee arrangements and SME asset & cashflow finance.
No lock-in • One pilot file • White-label senior credit support
10–15 Hours Back
Step out of group cashflow spreadsheets and trust diagrams. Stay with clients and origination.
Stronger Credit Outcomes
Submissions framed the way credit thinks — structure, mitigants and cashflow, not just documents.
Complex Deals Done
Multi-entity groups, trust/trustee structures, asset and cashflow finance — handled end-to-end.
What I do for you
Make complex commercial, asset & cashflow files simple to run with
Clear Credit Paths
Turn messy group structures into a clear map — who borrows, who guarantees, where cash really sits.
- Quick complexity scan (entities, trusts, securities)
- Fix-first checklist for gaps & red flags
- Lender short-list based on structure & story
Risk & Cashflow
Deep dive into business strength — not just pay slips. Commercial, asset and cashflow capacity properly modelled.
- Normalised business & group cashflow modelling
- Plan A/B/C options for structure and security
- Client-ready notes you can explain in plain English
Credit-Ready Files
Files that arrive with credit as a complete story — group structure, cashflow and security thought through.
- Credit memos for complex deals
- Condition & security support on asset/cashflow files
- Variations, top-ups and re-works when the story evolves
Simple. Low friction.
You keep the client. I handle the complex credit work.
15-minute discovery call
Align on your panels, workflows, typical structures and the asset/cashflow deals you want help with.
One pilot complex file
Send a live multi-entity or trust-heavy scenario. It’s triaged, structured and turned into a credit-ready submission under your brand.
Ongoing rhythm
Choose per-file, retainer or hybrid. Use me for complex work while your team runs the day-to-day.
How I fit into your team
When to bring me in
The complex deals that slow your team down
Multi-Entity Groups & Trusts
Groups with operating companies, unit trusts, discretionary trusts and property-holding entities — where simply “adding up income” is not enough.
Commercial, Asset & Cashflow Finance
Business lending, equipment and asset deals, working capital and cashflow structures — where the credit story lives in the business, not the payslip.
Brokerages Without In-House Credit
Growing firms who want senior-level credit thinking for complex files, without building a full-time credit team or becoming a parabroker shop.
Hi, I'm KK Neelamraju
20+ years assessing lending risk across corporate, commercial, asset and structured finance — in Australia and overseas.
I’ve worked on multi-entity borrower groups, trust/trustee structures and complex asset and cashflow transactions with major banks and specialist lenders.
I founded Credit Risk Expert so high-performing finance businesses could access senior credit capability on demand, without turning themselves into generic parabrokers.
What you get beyond “extra hands”
- A senior credit brain to sense-check tricky structures and lender appetite.
- Files built from credit’s perspective — not just document lists.
- Space for you to grow relationships while complex work is handled.
- Someone who has sat on the credit side of the table — and knows what they need to say “yes”.
Common questions
Got a complex file on your desk?
Send one multi-entity, trust-heavy or asset/cashflow deal you’d like help with. See exactly how senior credit support feels inside your business.
Email a pilot complex file