Credit Risk
Credit risk management is a critical function and core capability of all full service financial institutions. However, the sophistication of today’s marketplace, the ability to trade and shift risk positions on both a counterparty and portfolio level, has changed the scope and breadth of this risk management function. The recent downturns in the credit cycle and economic environment, exacerbated by the additional complexities introduced by Basel II, further necessitate that credit risk management execution be broader and far reaching than traditional approaches might support. The recent and rapid deterioration in retail, residential and commercial loan portfolio performance has raised managements’ awareness of gaps in existing risk management controls and processes and has escalated the need to quickly move toward leading credit risk management practices.
Navigant recognizes the challenges facing clients and is committed to providing advisory services that drive solutions consistent with leading industry practices. In order to meet these high standards, we have built a team of seasoned credit professionals that bring together industry, regulatory, information technology, quantitative analytics and consulting experience.
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Loss Mitigation: Surviving a Down Mortgage Market in 2008 and Beyond
Donna Baldwin provides insight into the operations and technology solutions firms can use to effectively mitigate losses and maintain operating costs in the current environment.
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Our team provides clients with service offerings that span the credit life cycle and address all customer segments (e.g. corporate banking, commercial banking, real estate finance, specialized finance, small business banking, consumer finance and residential mortgage). Our professionals have advised clients in the following areas:
- Credit risk strategy
- Credit risk governance, oversight, limits and controls
- Credit risk analytics and portfolio management
- Risk rating and credit scoring
- Allowance for Loan Losses
- Counterparty credit exposure calculations and portfolio management activities for Energy and Utility clients
- Quantitative model review and validation
- Risk management and lending process re-design
- Basel II regulatory compliance
- Risk reporting and disclosure
- Credit risk systems business requirements definition, vendor selection and implementation
