ERM is a structured and disciplined approach to aligning strategy, people, process and technology for the purpose of evaluating an and managing uncertainties, ultimately creating value for the organisation. As boards of Directors, Senior Management and Executives focus on on maintaining margins, efficiency, compliance and customer confidence, we assist organisations with advisory services to address the complex enterprise risk issues and the development of the landscape of risks they are facing today. Our experience ranges from conducting an enterprise wide risk assessment for the purpose of defining the internal audit universe, to establishing internal Audit departments to executing individual internal audit projects. Our services include:
Credit risk management is a critical function and core capability of all full service financial institutions. However, the sophistication of today's marketplace, the ability to trade and shift risk positions on both a counterparty and portfolio level, has changed the scope and breadth of this risk management function. The recent downturns in the credit cycle and economic environment, exacerbated by the additional complexities introduced by Basel II, further necessitate that credit risk management execution be broader and far reaching than traditional approaches might support. The recent and rapid deterioration in retail, residential and commercial loan portfolio performance has raised managements' awareness of gaps in existing risk management controls and processes and has escalated the need to quickly move toward leading credit risk management practices.
Our team provides clients with service offerings that span the credit life cycle and address all customer segments (e.g. corporate banking, commercial banking, real estate finance, specialized finance, small business banking, consumer finance and residential mortgage). Our professionals have advised clients in the following areas:
Corporate Treasury is central to an institution's balance sheet management. The asset/liability position of the bank is an additional line of business. Specifically, interest rate risk, funding and liquidity, and investment portfolio management and not only key risk management areas of the bank but also play a key role in value construction. These activities, which require specific expertise not typically shared broadly across the institution, need to be approached with robust governance and measurement capabilities.
We have equal interest and dedication to the governance issues created in balance sheet management as we do in the quantitative modelling of interest rate, market risk or liquidity modelling. Our approach to balance sheet management recognizes the need for prudent limits around balance sheet risk positioning, while also identifying that activities in this area, if considered appropriately, offer the potential for incremental value creation that has an attractive risk/reward profile.