Credit risk

Credit risk management drives top-line growth by proactively monitoring and managing portfolio risk and supports bottom-line profitability through loss avoidance.

How we help

 

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.

Connect with an expert

Jeff Ulmer
Managing Director, Business Advisory
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Craig Brown
Managing Director, Business Advisory
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Clint Irvin
Managing Director, Business Advisory
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