Credit Risk Management
As a fully integrated risk practice, we have the size and capability to address all risk issues and deliver end-to-end solutions
Credit Risk is generally defined as the risk of default of an obligor to fully meet their commitments in a timely manner. The management of this risk covers:
- Origination
- Loan or debt management
- Collection and recovery.
Credit Risk Management: Value
- Effective and efficient structures to govern and oversee the organisation and achieve the strategy creating synergies between different risk management activities.
- Increased risk awareness which facilitates better operational and strategic decision-making.
- Ensuring that risk-taking decisions across the organisation are within and aligned to the nature and level of risk that stakeholders in the organisation are willing to take.
Credit Risk Management: Core Services
- Enhanced Risk Strategies – Frameworks
- Enhanced Risk Performance
- Enhanced Risk Management Functions – Capabilities
Enhanced Risk Strategies – Frameworks
Create the right risk strategies to achieve the enterprises strategic aims and implements the optimum frameworks to ensure risk is appropriately managed.
Work Undertaken
- Assessment, design and implementation of credit risk strategies
- Assessment, design and implementation of credit risk frameworks
- Assessment, design and implementation of credit risk frameworks for the purpose of regulatory capital management; e.g. Basel 3
- Assessment, design and implementation of Credit Risk Appetite Statements
- Basel II and III Credit Risk: Model Development
- Economic capital modelling in relation to credit risk
- Assessment, design and implementation of monitoring and reporting processes.
Enhanced Risk Performance
Putting words into action – delivering risk performance within agreed tolerances at the sharp end – day after day.
Work Undertaken
- Collective provisioning services
- Risk Weighted Asset (RWA) optimisation
- Credit portfolio Analytics
- Credit Risk stress testing
- Collection and recovery performance effectiveness enhancement
- Mergers – Acquisitions assistance
- Credit risk system implementation: user requirement, system /vendor selection, implementation, user acceptance tracking
- Variance analysis and implementation of remedial actions
Enhanced Risk Management Functions – Capabilities
Create the optimum organisational solutions and equips the enterprise with the right skills and capabilities to manage risk to achieve strategic aims.
Work Undertaken
- Assessment, design and implementation of credit risk functions and collection and recovery units
- Interim management solutions: Credit Risk Officers and other professionals
- Credit Risk Management Training
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Our Core Services
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