Credit Risk Management and Lending Operations Assess, transform, and optimise your end-to-end credit risk management lifecycle for maximum returns We help organisations assess, design, and implement efficient and effective credit risk management and lending operations by leveraging our experience as former lenders, regulators, and risk managers.Our credit risk solutions are delivered to reduce operational costs, improve the efficiency and quality of credit risk decisions, and enhance the client experience. Protiviti has the tools, people, and experience necessary to help your organisation create resilient credit risk management and lending operations.Executives are under ever-increasing pressure to ensure that credit risk management practises provide a frictionless customer experience, maximise efficiency, and demonstrate clear evidence of compliance with institutional credit standards and regulatory expectations. Outdated and insufficient credit risk management practises and lending operations can lead to increased credit losses, suboptimal customer experience and turnaround time, depressed margins and regulatory scrutiny.Our team helps clients manage all aspects of underwriting, originations, servicing, default prevention, loss mitigation, collections, and resolution. Create resilient credit risk management and lending operations Credit Risk Management and lending operations consulting services Pro Briefcase Credit/Loan Review Services We help boards and senior leadership analyse their credit oversight strategies, organisational structure, reporting, credit quality, loan and investment portfolios, acquisitions, and individual credits to help organisations dynamically manage their credit risk exposure. We have developed a proprietary workflow based review tool that ensures transparency and control throughout the process, while enabling real time reporting. Pro Building office Credit and Lending Operations Assessment, Design, and Implementation Protiviti helps organisations assess current state, envision desired target state, and implement changes needed to ensure improved operational efficiency and effectiveness. This includes all aspects of strategy, people, process, and technology. Pro Document Consent Transaction/Acquisition and Lender Due Diligence We analyse proposed or existing transactions and empower organisations to address lender due diligence risk. We tailor procedures based on your needs to conduct lender/financial due diligence procedures on companies, operations, processes, reporting, and/or assets. Pro Document Files Credit Process Internal Audits We identify opportunities in your risk management and control systems to improve how you manage core processes throughout the credit lifecycle, including origination, underwriting, credit administration, servicing, collections, and problem loan management/workout. Pro Document Stack Credit Governance and Risk Appetite We define and refresh credit governance frameworks, risk appetite, reporting, and analytics to enable our clients to effectively consider existing and emerging risks such as ESG considerations (e.g. climate change) and crypto-backed lending, changes in economic conditions. Pro Legal Briefcase Liquidity Risk Management and Stress Testing Measure and monitor interest rates, liquidity risk positions, and cash flows by improving process design, governance, internal control frameworks, management/regulatory reporting, data quality remediation, and CFO attestation for stress testing (such as CCAR and DFAST). Pro Workflow Flowchart Regulatory Reporting We provide data capture, data clean-up, template creation, and data aggregation technology development services to enable your organisation to address ever-morphing compliance mandates and address your regulatory reporting needs. Identify, measure, and manage risks Our approach An effective credit risk management system enables institutions to identify, measure, and manage risks within their risk appetite before loss events occur. At Protiviti, we customise credit risk management services based on your portfolio’s characteristics and desired objectives. Download Identify, measure, and manage risks Risk management and regulatory compliance go hand-in-hand. Find out more about Protiviti's regulatory compliance services. Click here Featured insights WHITEPAPER The Compliance Playbook: Navigating the Financial Services Industry’s Compliance Priorities in 2025 As we enter the new year, the financial services industry once again faces compliance risks that are increasingly diverse and complex. FLASH REPORT Trump 2.0: Possible Winners and Losers President-elect Donald Trump will take office in January 2025 with Republican control of both the Senate and the House and with a conservative-leaning Supreme Court. 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Read more Leadership Jeffrey Hau Jeffrey leads Protiviti Hong Kong's risk and compliance and internal audit practices with more than 20 years of experience in regulatory compliance consulting and auditing. As the leader of the financial services practice, his specific areas of focus include advising ... Learn More Edward Choi Edward is a director at Protiviti with 14 years of experience in regulatory compliance and internal audit for global financial institutions. He is a leader in Protiviti’s risk and compliance practice and serves the financial services industry in Hong Kong.Prior to ... Learn More
