Credit Risk Management and Lending Operations

Assess, transform, and optimise your end-to-end credit risk management lifecycle for maximum returns

We help organisations assess, design, and implement efficient and effective credit risk management and lending operations by leveraging our experience as former lenders, regulators, and risk managers.

Our credit risk solutions are delivered to reduce operational costs, improve the efficiency and quality of credit risk decisions, and enhance the client experience. Protiviti has the tools, people, and experience necessary to help your organisation create resilient credit risk management and lending operations.

Executives are under ever-increasing pressure to ensure that credit risk management practises provide a frictionless customer experience, maximise efficiency, and demonstrate clear evidence of compliance with institutional credit standards and regulatory expectations. Outdated and insufficient credit risk management practices can lead to increased credit losses, suboptimal customer experience and turnaround time, depressed margins and regulatory scrutiny.

Our team helps clients manage all aspects of underwriting, originations, servicing, default prevention, loss mitigation, collections, and resolution.

Create resilient credit risk management and lending operations

Credit risk management and lending operations consulting services

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Credit/loan review services

We help boards and senior leadership analyse their credit oversight strategies, organisational structure, reporting, credit quality, loan and investment portfolios, acquisitions, and individual credits to help organisations dynamically manage their credit risk exposure. We have developed a proprietary workflow based review tool that ensures transparency and control throughout the process, while enabling real time reporting.

 
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Credit and lending operations assessment, design, and implementation

Protiviti helps organisations assess current state, envision desired target state, and implement changes needed to ensure improved operational efficiency and effectiveness. This includes all aspects of strategy, people, process, and technology.

 
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Transaction/acquisition and lender due diligence

We analyse proposed or existing transactions and empower organisations to address lender due diligence risk. We tailor procedures based on your needs to conduct lender/financial due diligence procedures on companies, operations, processes, reporting, and/or assets.

 
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Credit process internal audits

We identify opportunities in your risk management and control systems to improve how you manage core processes throughout the credit lifecycle, including origination, underwriting, credit administration, servicing, collections, and problem loan management/workout.

 
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Credit governance and risk appetite

We define and refresh credit governance frameworks, risk appetite, reporting, and analytics to enable our clients to effectively consider existing and emerging risks such as ESG considerations (e.g. climate change) and crypto-backed lending, changes in economic conditions.

 
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Liquidity risk management and stress testing

Measure and monitor interest rates, liquidity risk positions, and cash flows by improving process design, governance, internal control frameworks, management/regulatory reporting, data quality remediation, and CFO attestation for stress testing (such as CCAR and DFAST).

 
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Regulatory reporting

We provide data capture, data clean-up, template creation, and data aggregation technology development services to enable your organisation to address ever-morphing compliance mandates and address your regulatory reporting needs.

 

Our approach to managing credit risk

Identify, measure, and manage risks

An effective credit risk management system enables institutions to identify, measure, and manage risks within their risk appetite before loss events occur. At Protiviti, we customise credit risk management services based on your portfolio’s characteristics and desired objectives.

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Identify, measure, and manage risks

Leadership

Mark Burgess
Mark is a managing director and Protiviti’s risk and compliance solution lead. With over 17 years of risk and regulatory compliance experience in the financial services industry, he has a proven track record delivering deep insights for his clients. Mark has spent a ...
Matt Pirera
Matt is a managing director in Protiviti Australia’s risk and compliance team and is responsible for leading the delivery of best practice solutions across Protiviti’s key clients. Matt is the national financial services industry lead, also leading the Protiviti ...
Ranadip Datta
Rana is a commercially focused and highly driven risk professional specialising in multi-channel complex solution consulting  in APAC.  A long career in institutional banking , solution sales and consulting with global clients in several industry verticals ...
Ruby Chen
Ruby is a director with over 12 years of experience in the financial services industry, of which about ten years worked in the Big Four banks before transitioning into consulting. She has had a broad range of experience providing advisory services and secondments across ...
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