West Fork partners with private debt funds, asset-based lenders, and financial institutions to provide the infrastructure, expertise, and analytical rigor required to underwrite, manage, and scale healthcare credit portfolios with confidence.
Whether supporting a newly launched private debt platform or augmenting an established bank credit department, West Fork delivers end-to-end underwriting, portfolio management, and collateral oversight services designed to enhance decision-making, strengthen risk controls, and improve operational efficiency.
Our team brings deep healthcare experience across private credit, asset-based lending, and bank credit management, allowing clients to focus on capital deployment and relationship management while we provide disciplined execution, transparent reporting, and consistent risk management across the credit lifecycle.
West Fork’s flexible service model allows clients to:
Launch or expand private debt strategies without building full internal infrastructures
Supplement internal credit teams during periods of growth, transition, or increased complexity
Improve consistency, governance, and documentation across underwriting and portfolio management
Gain independent oversight and analytical support aligned with institutional best practices
From initial underwriting through ongoing portfolio and collateral management, West Fork acts as a trusted extension of our clients’ teams—bringing structure, scalability, and confidence to credit operations.
Underwriting
West Fork provides structured, credit-focused underwriting services designed to support disciplined credit decisions and experienced risk evaluation. Our underwriting process is aligned with client predetermined risk parameters and internal rating methodologies to ensure transparency, repeatability, and accountability. Capabilities include:
Credit Memorandum preparation
Risk ratings aligned with client’s risk rating matrix or developing new risk rating matrix
Financial modeling with multiple scenarios and covenant default analysis
Market analysis including current conditions and trends
Assumption analysis for stress testing of key underwriting assumptions
Credit committee assistance from empowering employees to presenting deals to committee
Portfolio Management
West Fork provides ongoing oversight and analytical support to help clients monitor performance, manage risk, and maintain alignment with portfolio objectives.
Performance monitoring of asset and portfolio performance against underwriting and strategic objectives
Preparation of trend cards with key performance metrics and trend analysis
Monitoring and reporting of portfolio-level risks, concentrations, and exposures
Strategic portfolio support, including asset optimization and capital allocation analysis
Review and assistance of amendments within portfolio
Collateral Management
West Fork provides collateral-focused oversight and analytical support to support asset-based lenders with ongoing collateral monitoring and availability management.
Preparation and review of borrowing base calculations in accordance with facility terms
Review of borrower-provided collateral reports, including accounts receivable and inventory schedules
Review of borrowing base certificates and draw requests prior to funding
Monitoring of eligibility criteria, reserves, and concentration limits
Review of appraisals, field exam results, and collateral valuation updates
Monitoring of collateral-related covenants and reporting requirements
Identification, tracking, and escalation of collateral-related exceptions and deficiencies
Ongoing analysis of collateral trends and availability drivers
Why choose west fork for asset management
Healthcare-Specific Credit Expertise: Our team understands the unique dynamics of healthcare assets, including reimbursement structures, receivable behavior, cash flow timing, and regulatory considerations that directly impact credit performance.
End-to-End Credit Lifecycle Support: From underwriting and credit approval through portfolio and collateral management, West Fork provides consistent, disciplined support that strengthens credit capabilities and enhances risk visibility.
Private Credit & Bank-Focused Experience: We partner with private debt funds, asset-based lenders, specialty finance companies, and banks to deliver practical, execution-oriented asset management solutions tailored to institutional requirements.
Scalable, Flexible Engagement Model: West Fork supports clients at every stage—from fund launch to portfolio growth—offering scalable services that adapt to changing portfolio size, complexity, and resource needs.
Want to Learn More?
Reach out today to discuss how West Fork can help you make informed credit decisions.