Automate credit origination and optimize credit risk management

Improve loan portfolio profitability and credit outcomes with risk management software that automates credit assessments, and incorporates risk models into loan pricing.

Examine risk analytics with a magnifying glass

Improve commercial lending profitability, reduce credit losses.

Identify and grow the most valuable client relationships in wholesale banking.

decrease credit approval timelines using ibm credit risk management solutions

Automate credit origination, renewals and approvals

Decrease timelines on credit approvals with dynamic mobile-ready platforms.

dynamically manage credit risks are dynamically managed with ibm risk management solutionsdynamically manage credit risks are dynamically managed with ibm risk management solutions

Consolidate exposures and dynamically manage credit limits

Configure credit hierarchies and limits with full drill-down capabilities and mobile support.

Get standardized credit risk reporting automatically

Automate credit risk reporting

Customize report templates and set up workflows for consistently accurate standardized credit risk reporting.

PRODUCTS

Reduce risk with smarter strategies

Automate credit assessments and credit committee workflows to decrease timelines on credit approvals, and improve loan portfolio profitability.

Improve Profitability, Reduce Credit Losses

Empower decision makers throughout the credit lifecycle with credit management automation that delivers proactive alerts and extensive insights. This helps your bank avoid costly losses and identify new growth opportunities with corporate and commercial banking clients.

Automate credit origination, renewals and approvals

IBM Algo Credit Manager and IBM Business Process Manager offer integrated control of credit origination, renewal and approval workflows. Route documents through the appropriate credit committee reviews and automate the tracking of all comments, changes and signoffs.

IBM Algo Risk Service on Cloud screen shot

Consolidate exposures, dynamically manage credit limits

IBM Algo Risk Service on Cloud screen shot

View credit limits, credit risk exposures and headroom by obligor, relationship and portfolio. Automatically generate risk appetite limits in-line accordance with policy-based metrics. Provide full drill-down support to uncover contributing entities and transactions.

Capital optimization

Rely on accurate, standardized reporting with control of the data warehouse and processes for aggregating input data to feed automatically into the analysis of the impact of exposure to country, currency and sector risk.

Rely on accurate, standardized reporting with control of the data warehouse and processes for aggregating input data to feed automatically into the analysis of the impact of exposure to country, currency and sector risk.

Rely on accurate, standardized reporting with control of the data warehouse and processes for aggregating input data to feed automatically into the analysis of the impact of exposure to country, currency and sector risk.

DOWNLOADS AND PAPERS

Commercial credit analytics: Improving productivity

Watch the GARP webcast that examines the productivity, efficiency and regulatory benefits that banks acquire by bolstering their commercial credit analytics systems.

Commercial credit analytics: higher productivity and better credit results

Learn how banks can use analytics to analyze enormous volumes of underwriting and commercial loan data, to efficiently evaluate risk and prevent losses.

Evolving wholesale credit on a maturity model

Learn how a maturity model helps banks assess their current place in the industry, where they want to be, and what steps are required to reach their destination.

Customer success stories

ABSA Corporate and Investment Banking

Shortened the time taken to produce a single view of risk by 85 percent, significantly improving credit productivity and risk management.


NIBC

NIBC moves from bi-weekly to daily reporting, which helps the bank react faster to changing circumstances.