Credit losses cost organisations substantial sums annually. These costs can intensify with suboptimal underwriting, pricing and portfolio monitoring methodologies; inefficient credit and collection processes; and ineffective or outdated technology. High credit risk is typically indicated by increasing credit losses in the form of charge-offs, write-offs, or higher loss provisions, high cost of funding and flat or declining net interest margins.
Our Credit Risk professionals improve your economic returns by helping to implement more effective risk-rating methodologies, enhance revenue through risk-based credit origination and pricing strategies, and improve risk-adjusted return on capital through better allocation methodologies. We can assist clients across the three lines of defence.
Our services include:
Credit/Loan Review Services
Protiviti can assist by analysing credit oversight strategies, organisational structure, reporting, loan portfolios and individual credits to evaluate credit quality, adherence to lending standards, comparison to industry practices, account management strategies, and portfolio performance. We assist clients with co-sourced and outsourced credit review services as well as consulting and internal audit engagements.
Transaction/Acquisition and Lender Due Diligence
Protiviti assists investors in their analysis of proposed or existing transactions by conducting due diligence procedures on target companies, operations, processes, reporting and/or assets.
Credit Operations Assessment Design and Implementation
Our credit risk teams work with you to improve credit operational efficiency and effectiveness through the identification and implementation of enhanced credit risk processes, technologies, strategies, organisational structures, and metrics.
Credit Process Internal Audit Reviews
Our credit risk professionals partner with our clients in assessing the risk management and control systems in place to manage core operations throughout the credit lifecycle.
Credit Risk Software and Tool Assistance
Protiviti can assist with credit risk software implementation through development of business requirement documentation.