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 Outdated and insufficient credit risk management practises and lending operations can lead to increased credit losses, suboptimal customer experience and turnaround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

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.

 

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.

 

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.

 

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.

 

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.

 

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).

 

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.

 

Identify, measure, and manage risks

Our approach


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

Bill Byrnes
Bill is a Managing Director with Protiviti. In his current role, Bill oversees all aspects of Protiviti’s US credit risk management and lending operations practice. This includes consulting and advisory services related to the consumer and commercial business units of ...
Jeffrey Franzen
Jeffrey is a Managing Director leading the Credit Risk practice within Protiviti’s Risk & Compliance solution. He has specialised in providing Due Diligence, Loan Review and other credit focused consulting services to financial institutions and financial buyers. ...
Ariste Reno
Ariste is a Managing Director with Protiviti in the Risk and Compliance Practice. She has over 25 years of credit risk management, financial advisory and banking experience. She specialises in providing advisory services to clients including loss estimation for ...
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