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Credit risk services

Delivering a tailored approach to credit risk management

RSM’s customized solutions are designed to maintain an effective credit risk management function, helping you gain confidence in your financial institution’s approach to credit risk.

Many financial institutions struggle with credit risk management activities because they lack the available workforce to review and document critical processes. Despite these operational and resource constraints, deploying a comprehensive credit review function remains one of the most effective activities within the credit risk management framework.

RSM’s credit risk solutions are designed and delivered by a team of qualified and diverse credit risk professionals including former regulators, credit analysts, lenders, chief credit officers and CPAs. With this deep understanding of the unique credit risk issues your financial institution faces, we are well positioned to streamline your review and implementation processes for greater efficiency, transparency and confidence.

RSM can help your financial institution meet credit-related needs with:

Outsourced credit review: We utilize proprietary software and dedicated credit review teams to execute your financial institution’s credit review plan.

Co-sourced credit review: Our team takes a tailored approach as your financial institution’s strategic advisor; we perform as much of the credit review function as agreed upon. 

Acquisition due diligence: Our advisors assess the credit quality of a target financial institution’s loan portfolio to assess specific reserve accuracy and risk rating practices, and to identify potential credit marks.

Stress testing: We work to develop various stress scenarios that, when used in conjunction with loan review results, help identify credit weaknesses in individual loans. By extrapolating these results, we can assist the credit management function to assess each scenario’s impact on capital and risk rating composition.

Targeted credit review: We assess the credit quality and practices in place for a specific loan portfolio such as a new area of lending, a higher-risk industry/loan type or any part of the annual loan review plan that requires deeper industry insight. Examples of targeted reviews include commercial construction, residential construction, Small Business Administration/government-guaranteed lending programs, mortgage warehouse, foreign-national lending, asset-based lending and floor plan lending.

Quality assurance review: Our team supports your financial institution’s risk management or internal audit departments by performing a review of the loan review department. 

Loan staff: Our team—with robust credit review skills and certifications—can be directly integrated into your loan review or audit team.

Policy review: We review the current policies you have in place and provide industry best practice recommendations. This may include assisting with writing new policies or rewriting existing credit policies.

By using our credit risk services and solutions, you can gain confidence in your organization’s ability to better manage credit risk.

Let us assist your business with

The RSM credit review team utilizes Credit Review Assistant, which was built within RSM’s Risk Monitor platform by credit professionals to promote efficiency and consistency with the planning, execution and reporting phases of a credit risk review engagement. The module supports the evaluation of individual loans, borrowers and relationships, which delivers valuable information on your financial institution’s credit risk profile. Credit Review Assistant delivers several benefits, including:

  • Improving credit review efficiency: Eliminate the need for manual data manipulation and management, and create a greater opportunity for teams to focus on more valuable technical analysis required of a strong credit review function
  • Offering real-time visibility for management: Track project status, open items, risk rating recommendations, observations and evidence of quality control review of individual line sheets
  • Creating thorough and consistent reviews through a loan-level approach: Mirror the natural workflow of a credit file, increasing consistency while retaining familiarity
  • Promoting reporting clarity, transparency and consistency: Generate comprehensive reporting at the touch of a button, clearly presenting findings and easy-to-understand results to key stakeholders
  • Establishing a more direct perspective into key data: Aggregate key data points for risk rating migration analysis, industry trends, concentration analysis, peer benchmarking and stress testing
AI TECHNOLOGY SOLUTIONS

Intelligent risk management technology solutions to improve speed and consistency

Risk teams often rely on multiple tools that weren’t designed to work together. As a result, controls and workflows remain fragmented, making it harder to understand the risk posture and act quickly.

RSM’s intelligent risk management technology solutions help bring that work into a more coordinated environment. Built on practitioner experience and embedded into RSM delivery, they help reduce manual effort, improve consistency, and provide a clearer view of priorities. The ecosystem is modular by design, so you can begin with the areas of greatest need and expand over time. RSM manages the architecture, integration, and orchestration needed to help teams work together more effectively.

Explore RSM’s AI technology solutions
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RSM Canada LLP is a limited liability partnership that provides public accounting services and is the Canadian member firm of RSM International, a global network of independent assurance, tax and consulting firms. RSM Canada Consulting LP is a limited partnership that provides consulting services and is an affiliate of RSM US LLP, a member firm of RSM International. The member firms of RSM International collaborate to provide services to global clients but are separate and distinct legal entities that cannot obligate each other. Each member firm is responsible only for its own acts and omissions, and not those of any other party. Visit rsmcanada.com/about for more information regarding RSM Canada and RSM International.

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