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  "documentTitle": "Ready Capital | Investor Presentation Deck | 41 slides",
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  "authorName": "Ready Capital",
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  "presentationDate": "2022-03-01 00:00:00",
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  "pageNumber": 34,
  "pageCount": 41,
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      "kind": "chart",
      "text": "RISK RATING DISTRIBUTION\n100% 90% 85% 80% 60% 40% 20% 8% 5% 3% 5% 2% 2% 0% 1 & 2 3 4 5 ■SBC SBA",
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      "text": "AVERAGE RISK RATING\n2.50\n1.98 2.02\n2.00\n1.82 1.88\n1.72 1.69\n1.71\n1.68\n1.62\n1.51\n1.50\n1.00\n0.50\nQ4'20\nQ1'21\nQ2'21\nQ3'21\nQ4'21\n■SBCSBA",
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      "kind": "list",
      "text": "BUCKET 1:\nVery Low Risk of Loss: New origination or current with strong\ncredit metrics (LTV/DSCR/DY). No expected losses.\nBUCKET 2:\nLow Risk of Loss: Current with maturity > 6 months. Lower credit\nmetrics with possibility of inclusion on CREFC watchlist. No\nexpected losses.\nBUCKET 3:\nMedium Risk of Loss: Current with near term maturities or in\nforbearance. Loss unlikely with no specific reserves booked.\nBUCKET 4:\nHigher Risk: Loan delinquent or in maturity default. Potential\nissues with sponsor or business plans. Minimal losses possible\nand adequately reserved in current period.\nBUCKET 5:\nHighest risk: Loan in default or special servicing. Specific losses\nidentified and adequately reserved for in current period.",
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      "text": "34",
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      "kind": "title",
      "text": "Loan Portfolio – Risk Rating",
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      "evidence": "The document provides detailed financial information, including return on equity, capital structure, revenue trends, and distributable earnings reconciliation.",
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      "name": "2x2 Matrix",
      "slug": "30-2x2-matrix",
      "bestFor": "Portfolio analysis, prioritization, strategic positioning",
      "matchId": "5429ff98-56d6-46b7-af65-d59969af101f",
      "evidence": "The document uses a 2x2 matrix to categorize the loan portfolio by risk rating, providing a clear visual representation of the company's exposure.",
      "position": 1,
      "objective": "To illustrate the risk rating of Ready Capital's loan portfolio",
      "structure": "Dimension 1 (X-axis) -> Dimension 2 (Y-axis) -> The Four Quadrants -> The Sweet Spot",
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