Collateral and limit management: Exposure monitoring for US commercial bank

  • 100% adherence to credit policies

  • 40-50% reduction in collateral management costs

  • 18-20% more client-facing time

  • Early-warning mechanism established to identify exposure collateral

  • Risk events due to misses in generating early-warning signals
  • Inconsistent methodologies followed by the workforce, leading to inaccurate collateral tracking
  • Manual process leading to inefficiency and ineffectiveness
  • Talent-management and knowledge-retention issues, with 50% attrition in a single month
  • Conducted a detailed white-boarding session to identify business requirements needed to provide client with an advanced collateral, limit and margin management process
  • Analysed and documented current collateral and margin processes across business streams and products
  • Coordinated a number of collateral and margin projects with change teams from various functions, e.g., Treasury, Risk Management and Client Management
  • Set up a pyramid-based offshore team considering the complexity of work
  • Prepared detailed standard operating procedures to ensure compliance with credit policies and client processes
  • Followed a standardised approach in terms of collateral tracking with room for borrower-specific adjustments
  • Established an end-to-end collateral management programme covering perfect lien, collateral analysis,covenant validation and limit availability analysis
  • Provided support to the Global Collateral and Limit Management Teams, with management reporting and customised dashboards for exposure management to mitigate risks and issues
Thank you for sharing your details

Your file will start downloading automatically

If it does not download within 1 minute,

Share this on

What we have done

Augmenting support across the treasury lifecycle for US regional bank
What we are proud of

Improved customer perception

Increase in sales for client