Collection & Recovery Strategies


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We can help you with:

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    - Probability of Default (PD), this includes scorecard development to obtain Point in Time (PiT) PD and the development Through the Cycle or PiT Buffer conversion models.
    - Exposure at Default (EAD) and Loss Given Default (LGD) Models, where it is often necessary to develop PiT models initially and then undertake an assessment of downturn adjustments.
     
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    - A key consideration of any complaint IRB framework is the ability to evidence use of IRB models and capital consideration in BAU decision making.
    - This should be embedded in a number of areas including Stress Testing, Loss Forecasting, Pricing, Portfolio Reporting and Risk Appetite.
     
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    - Regulators expect direction and ownership from Executive Management, therefore clear evidence needs to be given of practical oversight through appropriate escalation routes and sufficient training, to ensure full understanding of key issues and potential impacts.
    - Robust controls in decision making and key processes are also essential to ensure risks are minimised and controlled.
     
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    - Data is a cornerstone of any IRB programme and should be structured to allow consistent and efficient analysis.
    - It is essential that regular data quality analysis is undertaken with well documented and understood governance processes, this includes process changes of the storage and use of data.
     
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    - Ongoing attestation/self-assessment of all models and overall IRB framework is required throughout an application process and on an annual basis once approved.
    - The preparation of application packs requires central management to ensure that messages are consistent and understood throughout the organisation. This also helps with the identification of gaps and the development of remediation plans.
 

For further information on Collection & Recovery Strategies, please contact our Technical Director Chris Warhurst: christopher.warhurst@4-most.co.uk


 
 

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