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  "documentTitle": "Ready Capital | Investor Presentation Deck | 38 slides",
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  "authorName": "Ready Capital",
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  "presentationDate": "2023-03-01 00:00:00",
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      "text": "RISK RATING DISTRIBUTION\n100% 90% 90% 80% 60% 40% 20% 4% 3% 3% 5% 3% 2% 0% 1 & 2 3 4 5 SBC SBA",
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      "text": "AVERAGE RISK RATING\n1.75 1.70 1.68 1.67 1.68 1.66 1.65 1.63 1.60 1.55 1.51 1.52 1.50 1.48 1.47 1.45 1.40 1.35 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 SBC SBA",
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      "text": "BUCKET 1:\nVery Low Risk of Loss: New origination or current with strong credit metrics (LTV/DSCR/DY). No expected losses.\nBUCKET 2:\nLow Risk of Loss: Current with maturity > 6 months. Lower credit metrics with possibility of inclusion on CREFC watchlist. No expected losses.\nBUCKET 3:\nMedium Risk of Loss: Current with near term maturities or in forbearance. Loss unlikely with no specific reserves booked.\nBUCKET 4:\nHigher Risk: Loan delinquent or in maturity default. Potential issues with sponsor or business plans. Minimal losses possible and adequately reserved in current period.\nBUCKET 5:\nHighest risk: Loan in default or special servicing. Specific losses identified and adequately reserved for in current period.",
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      "text": "RISK RATING CRITERIA",
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      "kind": "title",
      "text": "Loan Portfolio – Risk Rating",
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      "arcName": "The Sequoia Pitch",
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      "beatName": "Financials",
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      "evidence": "The deck presents financial performance information, including historical performance and balance sheet data",
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