credit process
optimisation
and target
operating
model design
- “As-Is” process mapping across origination to collections and across business lines and operating models.
- “To-Be” model aligning credit processes across business lines, including integration of acquisitions and harmonization across Retail, Commercial, Agricultural, Property, and Asset Finance portfolios.
- Alignment of Scored and Judgmental Portfolios.
- Foundation for future automation and digital integration.
- Committee structure, mandate design, and workflow alignment.
- Change Management and Effective Adoption.
- Custom Judgmental Frameworks / Overarching Group Credit Policy tied to institutional appetite.
- Supporting Product Policies: Property, Overdraft, Invoice Discounting, ABF, etc
- Standard Terms & Conditions and Delegated Mandates.
judgmental
frameworks
and risk
strategy
development of
a robust credit
risk appetite
framework
- Stakeholder workshops to align on triggers, limits, and growth thresholds.
- Best practice guidance tailored to strategic goals.
- Drafting of a practical, measurable Risk Appetite Statement aligning to ERM.
- Align Dealmakers, Relationship Managers, and Credit teams.
- Promote shared credit language and understanding.
- Credit Risk Management Training and Awareness
- Modules: Cashflow Lending, Prudential Limits, Collateral, Credit Capital.
- Build interactive training modules.
credit and
risk training
internal rating
system support
- Qualitative and quantitative framework (PD, LGD, EAD).
- SICR identification and book segmentation.
- Transitioning from Standardised to IRB.
- Review existing book performance vs. approved terms.
- Assess covenant alignment and gearing proposals.
- Present findings to governance bodies.
- Independent Credit Committee Member.
independent
credit line review
and governance
support
portfolio
and risk
reporting
- Design of portfolio-level risk reporting for monthly management risk management, EXCO.
- Customised reporting aligned to system capabilities and regulatory needs.
- Optional outsourced reporting solutions.
We are here to strengthen your credit foundation, elevate team capability, and align risk management with your strategic growth goals.
Let us enable your Credit Executive to lead, while we execute.
