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:
-
Credit risk assessment
Credit risk assessment
Make better lending and investment decisions based on a more accurate assessment of the underlying credit risk.
-
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.
-
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.
-
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.
- Credit risk assessment
- Portfolio impact analysis
- Design and implementation
- 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
Dedicated specialists
We work globally
Digital front runner
Reach out
