Risk Management
Effective loan portfolio management begins with oversight of the risk in individual loans. Prudent risk selection is vital to maintaining favorable loan quality. Therefore, the historical emphasis on controlling the quality of individual loan approvals and managing the performance of loans continues to be essential. Better technology and information systems have opened the door to better management methods. We can help portfolio managers obtain early indications of increasing risk by taking a more comprehensive view of the loan portfolio. To manage their portfolios, bankers must understand not only the risk posed by each credit but also how the risks of individual loans and portfolios are interrelated.
Our capabilities include:
- Assessment of credit culture and management information systems
- Analysis of loans originated by other lenders and stress testing portfolios
- Establishing portfolio segmentation, risk tolerance limits, & risk diversification objectives
- Analysis of portfolio risk/reward tradeoffs, and independent and effective control functions
Credit Advisory
Nobel Advisers focuses
on the needs of credit issuers, acquirers, processors and the vendors and
investors who serve them. The emphasis of this service is on the consumer
and business payment methods involving the extension of credit, examining the
impact of technology and the competitive environment on business process at all
stages of the account lifecycle.
We focus on identifying areas of opportunity, monitoring new developments that
will impact growth from perspectives across all stakeholders, analyze key
metrics, and identify trends including but not limited to: best practices,
innovative strategies, regulatory issues, partnership opportunities, risk
management, key market practitioners, and emerging business lines.
