Credit Risk

Credit Risk

With increasing market volatility and ever evolving regulation – successfully managing credit risk is becoming ever more challenging.

Maximising Returns Through Credit Risk Management

With increasing market volatility and ever evolving regulation – successfully managing credit risk is becoming ever more challenging.

Managing risk across the entire credit ecosystem is critical and brings with it the chance to maximise your returns from your credit operations.

Credit strategy and portfolio management

Around 40% of total revenues for the average commercial bank come from credit related assets, with a significant amount of expenses also being related to credit operations.

Our aim is to help you minimise your costs and maximise your revenues by developing agile credit risk strategies, processes and guidelines that can be turned into actionable and measurable loan policy.

Loss Mitigation

The single biggest risk within a credit portfolio is default, so financial institutions must take a pro-active stance in managing credit losses. With ever increasing delinquency rates and market volatility, it is critical that your credit risk strategy touches on every aspect of the collection process.

Developing different recovery strategies, deeper data based pricing models and exit plans for non-performing loan portfolios.

Advanced Credit Analysis

Big data analytics applied in the right way can help you develop bespoke models that can be applied across individual products or across the entire business.

Get In Touch

If you have a matter that you would like to discuss then please do not hesitate to contact our team on 0161 000 000 or alternatively you can fill out our online enquiry form below.

We can help with

Comprehensive Credit Assessments

Conduct in-depth evaluations of creditworthiness using advanced data analytics and machine learning models to accurately predict risk.

Proactive Risk Identification

Identify potential risks early through predictive analytics, enabling preemptive action to mitigate losses.

Credit Risk Management Framework

Create robust credit risk policies and methodology for the holistic management of credit risk across the enterprise, e.g. governance, exposure measurement, limit setting, monitoring and reporting.

Streamlined Application Processing

Implement automated systems to expedite credit applications and approvals, reducing turnaround time.Strategic Planning: Develop comprehensive credit strategies aligned with business goals to optimise portfolio performance.

Dynamic Portfolio Management

Implement active portfolio management techniques to adapt to changing market conditions and capitalise on opportunities.

Risk-based Pricing Models

Utilise advanced pricing models to align credit offers with risk levels, ensuring competitive yet profitable terms.

Risk Management Frameworks

We help our clients build and strengthen robust risk management frameworks that support good governance, align with regulatory requirements, and are adaptable for future challenges.

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Cyber Security and Technology

Ensuring effective cybersecurity comes from having a deep understanding of your technology and systems, which is crucial to ensure resilience and security, ultimately driving business growth and supporting your operational strategy.

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Operational Risk

Helping companies design a holistic operational risk management strategy that mitigates danger, drives resilience, and facilitates growth ensures your organisation navigates changing regulations and threats from evolving technologies like AI.

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Enterprise Risk

It’s critical that organizations understand a good Enterprise Risk Management strategy enables them to take advantage of the evolving business landscape, providing insights and facilitating discussions on addressing enterprise risk.

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Credit Risk

With increasing market volatility and ever evolving regulation – successfully managing credit risk is becoming more challenging. Managing risk across the credit ecosystem is critical and brings the chance to maximise your returns from your credit operations.

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Market Risk

A recent pandemic, political tensions between East and West, global instability, trade route disruptions, and a prolonged European war continue to create volatile energy prices, surges in commodity prices, and interest and exchange rate volatility.

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Regulatory Risk

Hagan Smith offers tailored solutions to help clients navigate regulatory risk in financial services. With extensive experience, we provide strategic advice and support to ensure compliance with evolving frameworks.

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Liquidity Risk

Hagan Smith provides expert solutions for managing liquidity risk, ensuring that your organisation maintains sufficient cash flow to meet short-term obligations while supporting long-term financial stability. We tailor liquidity risk frameworks that include stress testing, contingency planning, and cash flow forecasting, helping businesses navigate market volatility and regulatory requirements.

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