Transformation partner of a top 10 Europe-based commercial bank

  • 2,300+

    spreading and risk rating performed

  • 8,000+

    covenants monitored

  • 15%

    more client-facing time

  • USD5.5m

    cost savings


CLIENT CHALLENGES
  • Inadequate client-facing time for portfolio managers
  • High operating cost
  • Fragmented processes and lack of fungibility across sectors and locations
  • Increasing regulatory requirements
OUR APPROACH
  • We conducted a detailed white-boarding session to standardise the credit monitoring process, eliminate redundancies and fast track the digitisation of manual processes
  • Set up an offshore team, with specialists from important sectors (diversified, real estate and infrastructure, commodities, food and agriculture, TMT and healthcare, transport and logistics, and energy)
  • Created standardised spreading and covenant validation templates and regularly monitored overdue; also integrated stress testing for the internal validation of covenants
  • Delivered risk ratings and credit reviews, with conclusive credit opinions
  • Established and continually tracked and reviewed KPIs and SLAs
  • Formulated a customised training and roll-out strategy 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, ad hoc projects and diverse workflow
  • Ensured quick turnaround time for spreads/rating (within 24 hours for urgent requests) and regulatory reporting (e.g., RWA)
  • Developed an early-warning mechanism and MIS dashboards for proactive decision-making
  • Partnered with the front office for the successful execution of covenant automation projects, IBOR transition and COVID-19 stress testing
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