Within the framework of well-functioning credit risk management, the aspects of approval, exposure measurement, collateral, limits, rating, loss ratios, early-warning system, collections, workout, concentration and portfolio management are of eminent importance to the competitive position of banks.
Managing the assessment of individual and portfolio credit risks as well as the regulatory handling of loans and collateral are significant success factors. They require optimal state-of-the-art methods of risk quantification. Since credit risks traditionally are at the heart of banking, the requirements for decision-making, monitoring and early-warning processes are particularly high. zeb/ is familiar with these requirements and provides support by designing functional concepts and offering specialised software solutions.
Our services:
- Strategic check-up, strategic roadmap, master plan for credit risks
- Development of a consistent methodical customer and business view
- Rating, credit decision-making and handling processes
- Strategic and operative credit risk limit systems
- IFRS-compliant itemised value adjustment calculation / impairment processes
- Establishment of an active credit portfolio management (ACPM) function
- Integration of credit risk into bank-wide management processes
- Development of a comprehensive operational risk strategy
- Establishment of an operational risk management function complementing operational risk controlling