They know local, but we provide the industry component
We help identify high-risk industries in their classification
We provide a local market and relationship focus
Support Credit Analysts with industry information to help approve or deny a loan (e.g. through Industry Report & Risk Ratings)
Ensuring the bank is not overexposed to too many related industries (e.g. through Industry Wizard)
Support Relationship Managers with questions to ask loan applicants about their industries (e.g. through iExpert Summaries)
Business Environment Profiles
Business Environment Report
Consumer Bankers' Association
Professional Risk Manager's International Association
Global Association of Risk Professionals
Risk Management Association
How do you identify new business opportunities?
How do your recruiters keep abreast with industry trends and developments?
How do you identify which industries require additional due diligence?
How do you monitor the bank's loan portfolio?
What benchmarking data do you use to test the validity of a client’s business plan?
Chief Credit Officer
Head of Business Banking
Head of Commercial Banking
Investment Analyst - Global Equities
Risk Ratings Reports
Market Share Concentration
More capital required to set aside to cover risks
Limits to balance sheets and increased disclosure
Standards in monitoring liquidity – all banks need to pass a 30-day stress test
All of the above