Credit Risk Management
GOAL: Assess quality and effectiveness of risk management processes, benchmarked to best practices and regulatory expectations
- Evaluate adequacy and efficacy of:
- Underwriting rationale, methodologies, policies, practices and their oversight
- Organizational design, communication flow and personnel competencies
- Process design and flow
- Interface between portfolio management disciplines
- Globally assess adequacy, robustness and utility of reporting
- Advise on credit risk management planning for and integration of commercial finance acquisitions and intrapreneurial ventures
Regulatory Compliance Relationship Management
GOAL: Facilitate compliance for matters subject to regulatory oversight without compromising competitive position of commercial finance interests
- Assess current status of relationship with principal regulator(s) with special attention paid to unresolved examination issues
- At the request of client, work directly with examiners to glean their perspectives on these gaps as well as facilitate timely and equitable resolutions
- Assist in design, implementation and testing of measures to ensure continuing conformity
Strategic Direction
GOAL: Assess business strategies for fit, effectiveness, and potential by evaluating:
- Business model premise and historical performance
- Organizational design, communication flow and personnel competencies
- Product design, promotion and execution
- Process design and flow within the context of operational efficiency
- Market position and competitive opportunity
- Economic potential, including financial harvesting options