Credit Risk Management Consulting

金融機関出身者、規制当局出身者、リスク管理部門出身者としての経験を活かし、効率的かつ効果的な信用リスク管理および融資業務の評価、設計、実施を支援します。

当社の信用リスクソリューションは業務コストの削減、信用リスクに関する意思決定の効率と質の向上、顧客満足度の向上を実現します。プロティビティは、お客様の組織がレジリエントな与信機能を構築するために必要なツール、人材、経験を有しています。

経営陣は、信用リスク管理業務が円滑な顧客体験を提供し効率を最大化し、制度的な信用基準と規制の期待に準拠していることを明確に証明するよう、ますます大きなプレッシャーにさらされています。時代遅れで不十分な信用リスク管理業務や融資業務は、信用損失の増加、最適とはいえない顧客体験とターンアラウンドタイム、利幅の減少、規制当局の監視につながる可能性があります。

Create resilient credit risk management and lending operations

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.