Financial Sector

Credit Risk

Improve credit risk management and comply with regulations by utilizing data, models and new technology.

Challenges

Regulatory challenges are forcing firms to re-examine the cost, efficiency, sustainability and transparency of their credit risk management requirements.

How can established credit risk functions do more with less whilst meeting regulators’ increased demands? The focus of banks and insurers is shifting towards enhancing the efficiency and effectiveness of risk management frameworks – through automation or targeted outsourcing, where possible and sensible.

In a constantly changing regulatory environment, it is imperative for financial institutions to have a clear understanding of how economic and regulations environment affect their credit risk profile in a context of a robust risk management framework.

Regularly, Deloitte helps his clients to evaluate, design and implement a robust credit risk management framework (governance, processes, models, data and reporting) to address regulatory requirements, best practices and risk appetite constraints.

Here are few topics where Deloitte can provide support and assistance to design, build and enhance:

  • Credit risk frameworks, governance and controls
  • Internal-Rating Based (IRB) models
  • IFRS 9 impairment model & process
  • Stress testing models & processes
  • Credit risk Model Risk Management
  • Fundamental credit risk tools & analytics
  • Loan Book management
  • Non-Performing Loans (NPL) analytics
  • Collections & recoveries processes & solutions

We can provide independent or external review of credit risk framework and/or models across all of the above.

Our offerings

Our financial risk management teams combine a practical approach and technical expertise to help you with the following aspects:

  1. Credit risk assessment

    Credit risk assessment

    Make better lending and investment decisions based on a more accurate assessment of the underlying credit risk.

  2. Portfolio impact analysis

    Portfolio impact analysis on risk profile and risk appetite

    Understand how individual loans or portfolios of loans impact the credit risk profile and risk appetite.

  3. Design and implementation

    Credit risk modelling design and implementation

    Embed the insights of credit risk modelling across the risk management landscape: from stress testing and capital management to IFRS 9 impairment, risk appetite and risk reporting.

  4. Our expertise

    Leverage Deloitte's professional network and expertise

    Our professionals work with tools, methodologies and models developed by Deloitte, easily adaptable to address your issues. Leverage Deloitte’s modelling specialists across our global network, including near-shore and off-shore delivery centres. Our multidisciplinary teams bring together their expertise in prudential matters, accounting regulations, modelling, risk data systems and governance.

  1. Credit risk assessment
  2. Portfolio impact analysis
  3. Design and implementation
  4. Our expertise

Credit risk assessment

Make better lending and investment decisions based on a more accurate assessment of the underlying credit risk.

Portfolio impact analysis on risk profile and risk appetite

Understand how individual loans or portfolios of loans impact the credit risk profile and risk appetite.

Credit risk modelling design and implementation

Embed the insights of credit risk modelling across the risk management landscape: from stress testing and capital management to IFRS 9 impairment, risk appetite and risk reporting.

Leverage Deloitte's professional network and expertise

Our professionals work with tools, methodologies and models developed by Deloitte, easily adaptable to address your issues. Leverage Deloitte’s modelling specialists across our global network, including near-shore and off-shore delivery centres. Our multidisciplinary teams bring together their expertise in prudential matters, accounting regulations, modelling, risk data systems and governance.

Why Deloitte?

Global market leader

Deloitte has more than 300.000 employees working from across the globe. We are recognized as a global market leader within various risk areas – e.g. within cyber risk.

Dedicated specialists

We have a deep functional expertise within the various risk areas and the relevant sectors. We have considerable insight into the solutions successfully implemented at comparable companies and can therefore quickly identify the right solutions for you.

We work globally

As a starting point, we at Deloitte work in an integrated manner across borders. We mobilize employees all over the world depending on the required skills and the geography that needs to be uncovered.

Digital front runner

Our employees are leaders in the latest technology solutions. We use the latest technological opportunities in our solution design and are experienced in implementing technologies.

Reach out

Thomas Clifford

Partner

Johan Philip Malan

Senior Manager