Credit Risk Management and Lending Operations

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

We help organizations 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 organization create resilient credit risk management and lending operations.

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 Outdated and insufficient credit risk management practices and lending operations can lead to increased credit losses, suboptimal customer experience and turnaround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


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 practice. This includes consulting and advisory services related to the consumer and commercial business units of regional, national, and ...
Jeffrey Franzen
Jeffrey is a Managing Director leading the Credit Risk practice within Protiviti’s Risk & Compliance solution. He has specialized 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 specializes in providing advisory services to clients including loss estimation for ...

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Protiviti's Credit Pulse

Managing credit risk in a differentiated downturn

In this issue of the Credit Pulse, we look at credit risk considering the macroeconomic and geopolitical trends likely to shape the financial services industry over the next six months. First, we focus on critical considerations for loan servicers in...
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Credit Pulse Spring 2022

Credit Pulse Spring 2022

Geopolitical Instability Moves the Goalposts Again In this issue of the Credit Pulse, we look at credit risk considering the macroeconomic and geopolitical uncertainties that continue to shape the financial services industry in the opening months...
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Credit Pulse Fall 2021

Credit Pulse Fall 2021

In this issue of the Credit Pulse, we look at the meaning of credit risk in a world flush with money and government backstops, and talk about how banks can jump into cryptocurrency lending and what they can do to monitor counterparty credit risk...
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FLASH REPORT

First Attempt by U.S. Regulators to Build a Climate Stress Test for Banks

First Attempt by U.S. Regulators to Build a Climate Stress Test for Banks

Trailing their European counterparts on climate-related issues, U.S. banking regulators are playing catch-up, urged by the new administration to do so. Fed Chairman Jerome Powell suggested in a July Senate Banking Hearing that climate...
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Credit Pulse - Spring 2021.

Credit Pulse - Spring 2021

THE U.S. FINANCIAL SERVICES INDUSTRY CONFRONTS A NEW ENVIRONMENT In this issue of the Credit Pulse, we provide a look at the credit risk implications of the banking and capital markets oversight environment under the Biden administration,...
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Credit Pulse - October 2020

COVID Shockwaves and Aftereffects In this issue of the Credit Pulse, we provide a U.S. bank supervisory update, spotlight commercial real estate (CRE) risks and shifting consumer payment priorities, and offer suggested actions related to credit...
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FLASH REPORT

What the Interagency Guidance on Credit Risk Review Systems Means for Your Institution

What the Interagency Guidance on Credit Risk Review Systems Means for Your Institution

Introduction On May 8, 2020, the Agencies[1] released a final version of the Interagency Guidance on Credit Risk Review Systems. This final guidance applies to all institutions supervised by the Agencies and supersedes regulatory...
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