Credit Risk Management Consulting

Evalúa, transforma y optimiza tu ciclo de vida de gestión del riesgo de crédito de principio a fin para obtener el máximo rendimiento

Ayudamos a las organizaciones a evaluar, diseñar y poner en práctica operaciones de gestión del riesgo crediticio y de préstamo eficientes y eficaces, aprovechando nuestra experiencia como antiguos prestamistas, reguladores y gestores de riesgos.

Nuestras soluciones de riesgo crediticio se ofrecen para reducir los costes operativos, mejorar la eficacia y la calidad de las decisiones sobre el riesgo de crédito y mejorar la experiencia del cliente. Protiviti cuenta con las herramientas, el personal y la experiencia necesarios para ayudar a tu organización a crear una función de crédito resistente.

Los ejecutivos están sometidos a una presión cada vez mayor para garantizar que las prácticas de gestión del riesgo crediticio proporcionen una experiencia de cliente sin fricciones, maximicen la eficiencia y demuestren una clara evidencia de cumplimiento de las normas de crédito institucionales y las expectativas normativas. Las prácticas de gestión del riesgo crediticio y las operaciones de préstamo anticuadas e insuficientes pueden provocar un aumento de las pérdidas crediticias, una experiencia del cliente y un tiempo de respuesta subóptimos, márgenes reducidos y un escrutinio normativo.

Crear gestión de riesgo de crédito y operaciones de préstamo resilientes

Credit/Loan Review Services

We help boards and senior leadership analyze their credit oversight strategies, organizational structure, reporting, credit quality, loan and investment portfolios, acquisitions, and individual credits to help organizations 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 organizations 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 analyze proposed or existing transactions and empower organizations 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 organization 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 customize credit risk management services based on your portfolio’s characteristics and desired objectives.