The changed framework of the financial markets and the more stringent regulatory requirements raise new challenges in credit risk management for financial service providers. The approach of active credit portfolio management (ACPM) addresses these challenges by pooling the credit risks of a bank in a specialised centralised unit and managing them in an integrated way. Through this “division of labour”, resources are liberated for intensified sales activities in the front offices, while ACPM optimises the credit portfolio in a targeted way, for example, by means of state-of-the-art instruments. Thus, ACPM enables you to consistently exploit opportunities — both in customer business and in the capital markets — without running the risk of excessive exposures, in particular in the form of risk concentrations.
zeb/ assists you in efficiently setting up and successfully implementing ACPM in your well-established structures. Implementation may follow a customised phased concept and initially focus on introducing individual elements of ACPM, e.g. creation of the basis for using modern credit risk transfer instruments.
Our services:
- Active credit portfolio management / credit treasury: strategy and management framework, organisation and processes, pricing and instruments
- Asset securitisation: securitisation instruments and measures, processes and reporting, IT systems and tools
- IT infrastructure & systems