Risk Assessment and Management

We design and document appropriate credit policies for lending institutions to meet their lending objectives and mitigate default risks. We are also able to conduct Compliance Review of Credit Policy Guidelines with a view to highlighting any critical remedial action that will help to prevent defaults.

Due to the obligation we owe our numerous clients to keep their financial positions in confidence, we are unable to reel out the names of some of the biggest conglomerates and high net worth personalities that we have assisted to reconcile and negotiate very substantial refunds and waivers on their indebtedness to various banks. We have also offered our Debt Reconciliation and Negotiation Service to state governments whereby we secured reduction in their debts by leveraging on our deep understanding of the Credit Risk Management framework of banks and the multidisciplinary capacity that we have built over the years.

Sound credit decision making will be fundamental to the effective and sustainable growth of the risk assets portfolio of any lending institution. We are able to apply contemporary qualitative and quantitative tools to identify risks inherent in the management of the asset portfolio of a bank. Being not unmindful of the failure of financial statements as a realistic indicator and predictor of the viability of businesses in a lot of instances, we have the ability to assess the credibility of financial statements in order to make necessary adjustments to stave-off the impact of manipulations designed to influence credit decisions. We also carry out surveys and discreet enquiries to check the credibility of Financial Reports and also confirm the standing of a company in its industry.