Credit monitoring for a top-10 Europe-based commercial bank

  • 1,000+

    diversified loan portfolio

  • 10-15%

    more client-facing time

  • 10%

    reduction in overdue

  • 24-hour

    turnaround of urgent spreads/ratings


CLIENT CHALLENGES
  • Inadequate client-facing time for portfolio managers
  • Fragmented processes across sectors and locations
  • Silo approach leading to a lack of fungibility across sectors and locations
  • Non-availability of front-office resources to handle ongoing project work
  • No internal validation of covenants
OUR APPROACH
  • We conducted a detailed white-boarding session to standardise the credit monitoring process across sectors
  • Set up an offshore team withspecialisation in seven sectors (diversified, real estate, commodities, food and agriculture, TMTand healthcare, transport and logistics, and energy)
  • Created covenant validation templates and conducted ongoing overdue monitoring; also integrated stress testing for internal validation of covenants
  • Delivered quarterly reviews with conclusive credit opinions
  • Established KPIs and SLAs, and continually tracked and reviewed these
  • Formulated a customised training and rollout plan for automation projects with frequent feedback sessions
IMPACT DELIVERED
  • Compiled detailed standard operating procedures to ensure compliance with credit policies and client processes
  • Implemented effective solutions to manage higher volumes, adhoc projects and diverse workflow
  • Delivered quick turnaround of spreads/rating (urgent requirements within 24hours) and regulatory reporting (e.g., RWA)
  • Built an early-warning mechanism and MIS dashboards for proactive decision making
  • Partnered with the front office for the successful execution of automation projects
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