{"id":4577,"date":"2024-12-12T15:54:46","date_gmt":"2024-12-12T14:54:46","guid":{"rendered":"https:\/\/www.commandstrategy.com\/credit-risk\/"},"modified":"2025-06-11T09:36:58","modified_gmt":"2025-06-11T07:36:58","slug":"credit-risk","status":"publish","type":"page","link":"https:\/\/www.commandstrategy.com\/en\/our-expertise\/risk-management\/credit-risk\/","title":{"rendered":"Credit risk"},"content":{"rendered":"
[vc_row bg_gradient_direction=”0″ thb_divider_position=”bottom” css=”.vc_custom_1734082449294{background: #000000 url(https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2024\/10\/a.jpg?id=1989) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”section” bg_gradient1=”rgba(0,0,0,0)” bg_gradient2=”rgba(0,0,0,0.31)”][vc_column css=”.vc_custom_1715255878000{padding-top: 6% !important;padding-bottom: 1% !important;}”][vc_row_inner][vc_column_inner][vc_column_text el_class=”light” css=”.vc_custom_1725463226846{padding-top: 30px !important;padding-bottom: 40px !important;background-color: #375d97 !important;}”]\n

Risk Management<\/h1>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row thb_divider_position=”bottom” css=”.vc_custom_1713854696108{margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-bottom: 0px !important;}”][vc_column css=”.vc_custom_1715255885094{margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-bottom: 0px !important;}”][vc_row_inner content_placement=”middle” css=”.vc_custom_1713854663614{margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-bottom: 0px !important;}”][vc_column_inner][vc_column_text el_class=”fat robo” css=”.vc_custom_1725463235623{margin-bottom: 0px !important;}”]\n

Credit risk<\/span><\/h2>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row thb_row_padding=”true” thb_divider_position=”bottom” css=”.vc_custom_1717049276775{margin-top: 40px !important;background-color: #ffffff !important;}” el_class=”nopaddingwrapper”][vc_column css=”.vc_custom_1734082479474{padding-top: 5% !important;padding-bottom: 5% !important;background: #ffffff url(https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2024\/10\/iStock-1188541327-scaled.jpg?id=1937) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”nopaddingwrapper”][vc_row_inner el_class=”nopaddingwrapper speblocblanc” css=”.vc_custom_1717057283516{margin-right: 10% !important;margin-left: 10% !important;}”][vc_column_inner el_class=”nopaddingwrapper” width=”1\/3″][\/vc_column_inner][vc_column_inner el_class=”nopaddingwrapper” width=”2\/3″ css=”.vc_custom_1714149417083{margin-right: 0px !important;border-right-width: 0px !important;padding-right: 0px !important;background-color: #ffffff !important;}”][vc_column_text el_class=”medium nopaddingwrapper” css=”.vc_custom_1738243446625{margin-right: 0px !important;border-right-width: 0px !important;padding-top: 8% !important;padding-right: 8% !important;padding-bottom: 4% !important;padding-left: 8% !important;}”]\n

Credit risk, whether related to a borrower’s inability to meet his or her financial obligations or to changing economic conditions, represents a constant challenge for financial institutions. Command Strategy helps you to anticipate, measure and control your credit risks. <\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row thb_divider_position=”bottom” css=”.vc_custom_1713951434629{margin-bottom: 70px !important;}”][vc_column][vc_row_inner content_placement=”middle” css=”.vc_custom_1717154871932{margin-top: 40px !important;margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-bottom: 0px !important;}”][vc_column_inner][vc_column_text css=”.vc_custom_1734001193654{margin-bottom: 0px !important;}”]\n

Our support<\/h2>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_tta_accordion shape=”square” c_position=”right” active_section=”nan” collapsible_all=”true” el_class=”accobleu2″][vc_tta_section title=”Regulatory and Compliance Projects” tab_id=”1717749410840-dcf51e37-3b98″][vc_column_text el_class=”cta” css=”.vc_custom_1738243542545{padding-bottom: 30px !important;}”]\n
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  • Application of prudential standards (Basel III, IFRS 9, CRR\/CRD): Ensure compliance with regulatory requirements in terms of capital adequacy, provisioning and management of credit risk exposures.<\/span><\/li>\n
  • Management of reporting requirements: Develop processes to meet regulatory obligations (COREP, FINREP, ECB Stress Tests) and ensure credit risk transparency.<\/span><\/li>\n
  • Governance and internal control framework: Implement robust policies and procedures for granting credit, monitoring commitments and managing counterparty risks.<\/span><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Risk Management and Indicator Production” tab_id=”1721744914434-9bfeb159-d1ed”][vc_column_text]\n
      \n
    • Exposure and concentration monitoring: Analyze and monitor outstanding loans, identify excessive exposures and diversify portfolios to limit systemic risks.<\/li>\n
    • Development of key indicators (PD, LGD, EAD): Implement quantitative indicators such as Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD) for fine-tuned credit risk management.<\/li>\n
    • Warning systems and internal rating: Implement scoring models and early warning systems to detect signals of financial deterioration in borrowers.<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Modeling and Quantitative Analysis” tab_id=”1734014450265-ad6affef-2bbf”][vc_column_text]\n
        \n
      • Development of scoring and internal rating models: Build rating models to assess borrowers’ creditworthiness and anticipate default risks.<\/li>\n
      • Stress tests and crisis simulations: Perform sensitivity analyses to assess the impact of unfavorable economic scenarios on the quality of the credit portfolio.<\/li>\n
      • Calculation of economic and regulatory capital: Estimate capital requirements using standard and advanced approaches to optimize capital management and return on risk.<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Information Systems Transformation and Process Optimization: Improve information systems to better manage risks, while optimizing internal processes.” tab_id=”1734015253317-e93a0108-1c4e”][vc_column_text]\n
          \n
        • Overhaul of credit management systems: modernize tools for monitoring exposures, managing collateral and assessing counterparty risk to improve operational efficiency.<\/li>\n
        • Automating decision-making and monitoring processes: Implement advanced automation solutions to speed up credit granting while ensuring rigorous risk control.<\/li>\n
        • Optimizing the credit life cycle: Improve internal processes for granting, managing, monitoring and collecting receivables to reduce the cost of risk and optimize profitability.<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Operational support and skills development: Supporting and training teams to guarantee sustainable risk management that is firmly anchored within the organization.” tab_id=”1738244013943-c5af9b65-8c79″][vc_column_text]\n
            \n
          • Training in credit risk management methodologies: raising teams’ awareness of internal rating methods, regulatory requirements and industry best practices.<\/li>\n
          • Developing a risk culture: Implementing a proactive approach to monitoring commitments and controlling counterparties to minimize losses and secure transactions.<\/li>\n
          • Strengthening analytical and technological skills: Supporting teams in mastering credit risk modeling tools and associated management systems.<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"

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