Credit Risk

Credit Risk Management: Objective Analysis, Effective Solutions

In today’s banking environment, credit risk management is more important – and more challenging – than ever. Facing ongoing regulatory and economic pressures, financial institutions regularly must reassess the structural and operational aspects of their credit programs. Crowe Horwath LLP has extensive experience helping banks address these complex challenges.

Dedicated Credit Risk Specialists

Crowe credit risk specialists provide objective analysis and practical improvement road maps and implementation approaches. Credit-trained and risk-oriented, these specialists have the skills and experience needed to review practices, address complexities, and help you maintain compliance with allowance for loan and lease losses (ALLL) interagency guidance and the Financial Accounting Standards Board Accounting Standards Codification requirements.

The Crowe team also includes dedicated valuation specialists and professionals with extensive experience supporting the credit due diligence phase of merger-and-acquisition transactions.

A Tested, Effective Approach

Crowe credit consulting services employ the Crowe lending framework (CLeF) model, an independent framework for organizing governance and operational components, assessing risk, and making credit risk recommendations.

The Crowe team helps you apply the CLeF by using tested tools such as the Crowe Credit360 for Stress Testing solution, which provides highly effective active credit portfolio management capabilities to monitor, evaluate, and proactively handle the loan portfolio.

As a provider of American Bankers Association-endorsed credit review services, Crowe annually serves more than 140 clients including banks that have between $500 million and $100 billion in assets.

A Comprehensive Suite of Credit Risk Services

Crowe applies experience and advanced technology to help you comply with Consumer Financial Protection Bureau (CFPB) regulations and other fair lending requirements.
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Crowe provides objective third-party loan review along with credit consulting and internal review process assessments.
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Crowe specialists help you handle compliance, prepare for audits, perform third-party reviews, and meet other CFPB requirements.
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This phased methodology helps organize program assessment and guides the development of a tactical and strategic road map for improvement.
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Crowe® Fair Lending Analytical Regression Engine

This advanced statistical analysis tool can help you identify risk factors and possible inequities relating to race, ethnicity, gender, age, and other indicators. Learn More

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Scott C. Miller