Credit risk

Develop accurate risk ratings

Enhance your risk rating systems in the pass and criticized categories, develop and deliver customized training, and create a framework of recurring rating process.

Develop leading underwriting processes

Draft your product-based authorities, refine risk acceptance criteria, and implement standardized credit approval memos while identifying effective and efficient process flows.

Comply with current expected credit losses (CECL)

Drive improvements in adherence to the ASU 2016-13 standard on key concepts such as quantitative and qualitative measurement methodologies.

Ensure proactive portfolio management

Introduce consistent monitoring tools and develop exception- based monitoring processes, including a standardized and centralized covenant calculation and monitoring process.

Manage problem loans

Enable proactive management of criticized and classified assets through revised processes, procedures and governance, including timely impairment identification of non-accruals, specific reserves and charge-offs. Staff augmentation is available.

Perform loan review

Assess the effectiveness of independent credit review functions (ICRFs), including governance, structure, staffing, reporting, and sample testing. Staff augmentation is available.

Proactively identifying and mitigating risk in financial services with a RCSA

Erik Shumar

Managing Director, Financial Institutions Advisory

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Jenny Wei

Managing Director, Financial Institutions Advisory

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