Commercial and Consumer Banks

The complexities within the lending landscape continue to increase with constant regulatory changes, volatile operating environment and growing interconnectedness of participants in the lending lifecycle. Our solutions and sophisticated tools enhance credit risk evaluation and loan origination processes, leading to informed decisioning, optimized loan portfolios, and adherence to changing regulations, ultimately fostering increased efficiency and profitability. Additionally, our comprehensive model risk management services enable banks to effectively assess, validate, and monitor their predictive models, ensuring compliance with industry standards. We have wide experience across different loan classes, including CRE, C&I, leveraged loans, equipment finance, term loans, bridge loans, SBA loans and mortgages.

By leveraging our domain expertise and flexible operating models, banks can achieve sustainable growth, effectively manage risks, and sustain a competitive advantage in the dynamic economic environment.

20+

Extensive experience in managing transformation, risk, and loan operations for 20+ commercial banks

5000

Over 5,000 periodic credit memos executed annually for commercial lending portfolio

10000

Over 10,000 facilities tracked and updated for periodic covenant monitoring

42

Diversified workforce spanning age, gender, skills, experience, and nationality, with representation of 42 nationalities and linguistic groups

25000+

Executed 25,000+ model engagements across credit, market, operational and liquidity risk domains since 2015

Our solution components

Credit Risk Services

Amidst an evolving regulatory landscape and uncertainty in the macro-economic and geopolitical environment, financial institutions worldwide are always looking to sharpen credit risk management.

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Lending Services

With the evolving complexities of lending products and loan documentation, loan operations are increasingly ripe for process efficiencies and innovative target operating models.

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Quantitative Solutions

For over a decade, leading financial institutions globally have leaned on us to deliver comprehensive and innovative quantitative solutions to enhance their frameworks, strengthen their governance standards and effectively navigate complex regulatory requirements.

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Crisil Advantage

Unmatched talent pool of specialists

We have 1,000+ credit and risk analysts, 150+ sector specialists, and 250+ quant specialists, with in-depth knowledge of credit risk & lending procedures and model risk management, strong understanding of regulatory nuances, good working knowledge of credit and loan platforms/tools, and high analytical acumen.

Best fit solution to optimize costs

We provide tailored and flexible operating models, implementing industry best practices, to unlock maximum operational efficiencies and deliver cost savings.

The problems we solve

Research

Early Warning
System

Case Studies

A dynamic Credit Monitoring System that lowers Loan-Loss Contingency

Credit
Monitoring

Case Studies

Provided end-to-end credit risk support to an Asian G-SIB

Turning scattered market
data into meaningful
business insights

Mutual fund case