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

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 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

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

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

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 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

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