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Every Day Challenges

  • Identifying risk in originations and balancing that risk with the need for growth.
  • Portfolio management of different credit products highlighting ongoing risks, improving portfolio management processes and looking for portfolio improvements
  • Understanding IFRS 9 and identifying opportunities to manage cost of risk under IFRS 9 requirements
  • Developing stress testing processes to cover more than simple “one-size-fits’ models.
  • Identifying and developing opportunities for digitization and AI processes across the credit process.
  • Ensuring credit risk best practice is understood and embedded across the organization
  • Managing and identifying risk and improvements in the Collections and Recovery environments

The Adept Advisory Solution

Adept Advisory can assist in assessing your credit risk processes and identifying potential opportunities for improvement:

  • Assessment of the credit risk governance structures
  • Assessing credit risk skills and culture within the organization
  • Assist with the review of credit risk reporting and awareness of the impact of credit risk on the organization’s sustainability
  • Align the credit risk management program to local legislation and global best practice
  • Independent assurance of the credit risk management structures and processes.
  • Link the enterprise risk management needs to ethics to allow corporate governance to evolve and to manage ethics as part of the enterprise-wide risk management strategy
  • Alignment of Enterprise Risk Management Frameworks to ensure group tolerance and reporting levels are accurate at a consolidated level.
  • Formal training schedule to be developed to support credit risk management processes across all levels in the organization
  • Act as ongoing sound board/thought leader to your credit risk community for insights, research and development and training

Our Deliverables

Our deliverables are tailored to the individual engagements, but broadly cover:

  • Consultation with the Board, Board Committees, Credit Risk Committee and related committees and members to understand their roles and responsibilities on managing credit risk.
  • Leadership engagements on their roles and responsibilities in managing credit risk.
  • Gap analysis to assist with the current credit risk processes
  • Develop and enhance the credit risk strategy to capitalise on opportunities and to mitigate credit risks
  • Review, development and alignment of credit risk frameworks and credit-related policies
  • Assist with the implementation of credit risk understanding by providing training, communication methods and enhanced reporting mechanisms
  • Provide advice on the monitoring and reporting of credit risks in the various reporting packs
  • Assist Internal Audit functions with tools, methodology/ies, frameworks, risk and control matrices on the adequacy and effectiveness of the credit risk processes, skills and awareness across the organisation

Sustainable Benefits for your Organisation

  • Mature Credit Risk Management program that is quick to identify risk
  • Leadership would be equipped to drive and sustain the desired credit risk management culture
  • Clear picture of credit risk that could put your organisation at risk
Credit risk performance measures updated or amended, and thus overall performance of the organisation increased
  • Improve the reputation of the organisation with stakeholders as a trusted business with a set of high credit risk management standards
  • Be a leader in credit risk management and develop best practices in credit risk management

Every Day Challenges

  • Identifying risk in originations and balancing that risk with the need for growth.
  • Portfolio management of different credit products highlighting ongoing risks, improving portfolio management processes and looking for portfolio improvements
  • Understanding IFRS 9 and identifying opportunities to manage cost of risk under IFRS 9 requirements
  • Developing stress testing processes to cover more than simple “one-size-fits’ models.
  • Identifying and developing opportunities for digitization and AI processes across the credit process.
  • Ensuring credit risk best practice is understood and embedded across the organization
  • Managing and identifying risk and improvements in the Collections and Recovery environments

The Adept Advisory Solution

Adept Advisory can assist in assessing your credit risk processes and identifying potential opportunities for improvement:

  • Assessment of the credit risk governance structures
  • Assessing credit risk skills and culture within the organization
  • Assist with the review of credit risk reporting and awareness of the impact of credit risk on the organization’s sustainability
  • Align the credit risk management program to local legislation and global best practice
  • Independent assurance of the credit risk management structures and processes.
  • Link the enterprise risk management needs to ethics to allow corporate governance to evolve and to manage ethics as part of the enterprise-wide risk management strategy
  • Alignment of Enterprise Risk Management Frameworks to ensure group tolerance and reporting levels are accurate at a consolidated level.
  • Formal training schedule to be developed to support credit risk management processes across all levels in the organization
  • Act as ongoing sound board/thought leader to your credit risk community for insights, research and development and training

Our Deliverables

Our deliverables are tailored to the individual engagements, but broadly cover:

  • Consultation with the Board, Board Committees, Credit Risk Committee and related committees and members to understand their roles and responsibilities on managing credit risk.
  • Leadership engagements on their roles and responsibilities in managing credit risk.
  • Gap analysis to assist with the current credit risk processes
  • Develop and enhance the credit risk strategy to capitalise on opportunities and to mitigate credit risks
  • Review, development and alignment of credit risk frameworks and credit-related policies
  • Assist with the implementation of credit risk understanding by providing training, communication methods and enhanced reporting mechanisms
  • Provide advice on the monitoring and reporting of credit risks in the various reporting packs
  • Assist Internal Audit functions with tools, methodology/ies, frameworks, risk and control matrices on the adequacy and effectiveness of the credit risk processes, skills and awareness across the organisation

Sustainable Benefits for your Organisation

  • Mature Credit Risk Management program that is quick to identify risk
  • Leadership would be equipped to drive and sustain the desired credit risk management culture
  • Clear picture of credit risk that could put your organisation at risk
  • Credit risk performance measures updated or amended, and thus overall performance of the organisation increased
  • Improve the reputation of the organisation with stakeholders as a trusted business with a set of high credit risk management standards
  • Be a leader in credit risk management and develop best practices in credit risk management