EMC are experienced at developing robust risk management systems for financial and other business sectors predicated on industry-standard frameworks such as the Basle Accords. We help manage operational, market, liquidity, credit, project and reputational risks elements.
Specific Services
Risk Identification, Assessment and Mitigation
Aspects covered include – Risk Identification, Assessment and Mitigation processes Financial Risk Management Models; Risk and Control Self assessments(RCSA) and Key Risk Indicator (KRI) Schemes; Risk Mapping Enterprise Risk Management (ERM) Frameworks Basel I, II and III Accords
Know MoreOperational Risk Management
Banking Process Management Considerations. Business Disruption, Continuity and Failure Issues Bank Assets and Operational Risks; Loss Frequency and Severity Analytics. Operational VaRs (OpVaRs) Analysis, Regulatory Capital, AMA/SA/IA items.
Know MoreCredit Risk Management
The work spans – Credit Risk Management (CRM) Processes and Workflows. Borrower, Industry and Portfolio Credit Risks. Dealing with Asymmetric Information Issues Vetting, Screening and Monitoring Processes Customer Profiling, Position-Limiting & Credit Rating Approaches. SIL (Specialization-In-Lending) and KYI (Know-Your-Industry) Precepts.
Know MoreAdvanced Credit Risk Management
We advise on some of the following - Contractual CR Defences – Enforcing and Monitoring Protective Covenants.. Making Effective use of Guarantees and Collateralizing. Compensatory Balances and Credit Rationing Approaches. Estimating and Predicting Credit Default Rates using Customer Analytics
- Further Risk Management Consultancy Areas include -
- CRM Multi-layered Defence Approaches using SB, CR and RM Units. Balance-sheet Netting; Utilizing Credit Guarantees, Derivatives and Swaps
- Credit Insurance & Securitization for CRM
- Modelling Exogenous and Endogenous CRM Variables
