Specifically the Risk Consulting Services provided include:
- Full Dynamic Reviews of credit risk in Banks and Credit Union portfolios and individual sub-portfolios, including risk in the well performing loans.
- Trend Analyses over the full period of the available data, showing more recent and longer term trends.
- Industry Benchmarks in relation to the relevant portfolios, including consumer finance, overdrafts, auto and equipment finance.
- Comparative Analyses of risk and trends across Loan Types, e.g. various Credit Score Bands, Loan Maturities and Business Referral Sources.
- Loss given Default Values, validation and differentiation of LGDs across alternative portfolios and sub-portfolios.
- Account-level Loss Forecasts to direct Collections Priorities and Performance Management.
- Provision Calculations for Basel III and IFRS compliance reporting.
- Risk Pricing for all loan types and Loan Maturities.
- “Forborne” and Rescheduled Loans dynamic analyses.
- “Run Rate” Analysis to distinguish higher risk arrears.
- Full Portfolio Evaluations for M & A.