Commercial Lending support for investment, commercial and retail banks

Corporate and Commercial Lending

Bespoke corporate and commercial lending solutions that combine our credit expertise with lending best practices and domain-driven technology

Overview

With over 18 years of experience in delivering research and analytics services, Acuity Knowledge Partners (Acuity) has built a robust and sustainable ecosystem of people, process and technology. Acuity has strong credentials within the corporate and commercial banking space, supporting banks across the lending value chain (KYC, origination, underwriting, monitoring and operations), helping them centralise, standardise and digitise processes.

With digitisation initiatives specially designed to automate parts of the credit analysis function, coupled with the flexibility to choose from different engagement models, we enable financial institutions scale their lending operations while remaining client and risk-focused. As business/operational uncertainty increases, Acuity’s lending service offerings can help banks simplify lending, improve speed to market and make better credit decisions.

What we have delivered annually

10,000+

risk ratings

25,000+

credit reviews

125,000+

covenants

200,000+

financial spreads

Automation and workflow management platforms

How we are different

30-35% faster loan processing

Centralised, standardised and optimised processes

40-50% cost savings

Improve risk governance in-line with industry best practices

100% adherence to credit policies supported by well-defined SLAs

Customised solution to suit specific needs

What we have done

Portfolio monitoring and underwriting support for a US-based commercial bank
What we are proud of

USD6m

in annual savings

USD80bn-

worth loan portfolio monitored

Transformation partner of a top 10 Europe-based commercial bank
What we are proud of

2,300+

spreading and risk rating performed

8,000+

covenants monitored

Support for Consulting and Corporate Firms
Leveraged Loan monitoring for a top five bulge-bracket firm
What we are proud of

200+

leveraged loans

$12bn

loan portfolio monitored

Support for Consulting and Corporate Firms
Financial Spreading Support for a Top 10 Canadian Bank
What we are proud of

40-50%

in annualized cost savings

20%

faster decisions on new loans

Customer Testimonials

Acuity family – Thank you so very much for all your hard work and dedication during this time. The swell of this pandemic has shrunk our vast globe, as we collectively experience the impact of the wave. We could not manage the needs of our clients during this time without your support, and we are very thankful to have you as part of the team.

Middle Market Credit Campus Leader

Leading US Regional Bank

We think the support from the Acuity team was fundamental in the completion of the project. Their contribution related to the creation of the covenant structures was crucial for the success of the project. Also, eventually taking over the approval of covenant structures helped us speed up the approval process. We really appreciate all the hard work of the team and their flexibility, especially with regards to their working hours.

Project Manager

Top Dutch Bank

Thank you, as well as every single person on your team, for your immense support and commitment. We consider you an extremely integral part of our team and always wish you the very best. We are certain that our relationship will continue to grow and develop in the year to come. You are our colleagues and our friends.

Financial Statement Spreading Analyst

Top Canadian Bank

Our perspective on Corporate and Commercial Lending
Alternative data steadily  building momentum  in lending Insights
Alternative data steadily building momentum in lending

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Securitisation – an antidote to non-performing loans (NPLs)? Blog
Securitisation – an antidote to non-performing loans (NPLs)?

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The US stimulus package and its impact on the global economy Blog
The US stimulus package and its impact on the global economy

On 11 March 2021, Presid..... Read More

Meet our experts

Subhrojyoti Mandal

Director, Commercial Lending Services

Subhro has been with Acuity Knowledge Partners for over 8 years. He has 15+ years of extensive experience in credit analysis in the lending, counterparty and credit research domain. Subhro manages transition of new clients encompassing the credit analysis function across different lending lines of business. He has extensive work experience in banking products, process and systems across the lending value chain for global as well as regional corporate and commercial banks. He holds a Master of Commerce degree from Calcutta University.

Subhrojyoti Mandal
Subhrojyoti Mandal

Director, Commercial Lending Services

Rajul Sood

Senior Director, Commercial Lending Services

Rajul heads the commercial lending practice at Acuity Knowledge Partners and has been with the firm for over 15 years. She is responsible for strategic planning, delivery oversight and management, quality assurance and supporting the innovation and technology initiatives in Lending. Rajul has extensive experience in investment banking analytics and commercial lending research services. Apart from banks, the teams she oversees also have in-depth experience in working across different lending products, processes and systems for Fortune 100 companies, SMEs and real-estate businesses. She holds a Master of Finance and Control, and a Bachelor of Commerce from Delhi University.

Rajul Sood
Rajul Sood

Senior Director, Commercial Lending Services

Pedro Armstrong

Senior Director, Head – Commercial Banking and Asset Management Business Development

Pedro Armstrong is a Director at Acuity Knowledge Partners and leads business development efforts in the Americas for the Corporate and Commercial Banking, Buy-side, and Sell-side segments. He is responsible for managing key client engagements and works in partnership with capital market firms to provide customized solutions across research and analytics support, origination and lending support, and marketing and compliance support. He has been with the organization for 12 years, serving in various roles across Sri Lanka, Costa Rica, and now the US. Prior to joining Acuity Knowledge Partners, he was a Central Bank Regulator at the Central Bank of Barbados. Pedro, who is a British Chevening Scholar, holds a Master’s degree (honors) in Banking and International Finance from Cass Business School, City University, London.

Pedro Armstrong
Pedro Armstrong

Senior Director, Head – Commercial Banking and Asset Management Business Development

Balaji Ramakrishnan

EMEA Head – Banking & Asset Management

Balaji Ramakrishnan leads Europe and Middle East business development for Acuity. Having spent his formative years in core banking technology operations, he brings a deep understanding of credit processes and the ability to make analytics-driven decisions. He works closely with senior client stakeholders as a trusted partner, shaping the business case for scaled efficiencies through centralisation, standardisation and intelligent automation within Commercial Lending and Asset Management verticals.

Balaji has established long-term partnerships with banks, asset managers and insurance firms across a number of front and middle office transformation initiatives over the past 20 years. Prior to Acuity, he worked at Accenture and Oracle, serving European financial services clients. He holds an MBA from the London Business School.

Balaji Ramakrishnan
Balaji Ramakrishnan

EMEA Head – Banking & Asset Management

Marie Filotti

Head, APAC Business Development

Marie Filotti heads APAC Business Development at Acuity Knowledge Partners and is based in Hong Kong. She joined the firm in 2018 after 13 years in Investment Banking and Capital Markets, mainly at Nomura (previously Lehman Brothers), and also worked on the corporate side, having run Investor Relations at a China-based ASX-listed gas company. She uses her experience in the industry to advise our clients on best practices in implementation of engagements across all sectors. Marie holds a BA from Yale University and a Masters in Finance from Sciences-Po Paris.

Marie Filotti
Marie Filotti

Head, APAC Business Development

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