Credit risk management
Effective credit risk management can improve risk-adjusted profitability
In the wake of the global financial crisis, banks are under increasing pressure to improve credit risk management, especially as the lack of effective
credit risk management was one of the factors that helped trigger the economic downturn. With regulators seeking higher capital requirements and liquidity buffers, the cost of doing business is increasing for banks worldwide. To manage
credit risk more effectively and to meet regulatory demands, banks must be able to assess, analyze and manage risk in their credit portfolios and maintain an accurate view of return on risk-adjusted capital (RORAC) – while holding the line on the cost of these
credit risk management activities. For banks seeking innovative technology to help with these critical tasks, Sungard has the answer.
Learn more about Sungard’s credit risk management solution.
Sungard’s Ambit provides a comprehensive credit risk management solution.
SunGard’s Ambit Credit Risk Management solution suite is comprised of category-leading software and specialized risk consulting that helps commercial banks increase their risk-adjusted performance through better lending decisions, effective credit portfolio monitoring and efficient capital allocation. With Ambit Credit Risk Management, banks can make better lending decisions by using components that help improve credit assessment, capital management, credit portfolio monitoring and profitability analysis. Ambit Credit Risk Management offers four major capabilities that include:
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Credit risk assessment. Assess the creditworthiness of customers using a standardized method in order to facilitate loan approvals and maintain ongoing credit compliance.
- Credit portfolio monitoring. Monitor credit portfolios with advanced risk analysis and stress testing to help Chief Credit and Lending Officers understand the impact of economic events and business decisions on the loan portfolio.
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Capital management. Run regulatory and economic capital calculations to more effectively manage risk and capital under a variety of stress scenarios.
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Profitability analysis. Use margin analysis, cost allocation, cost of capital and loan pricing to help identify important trends and relationships, learn what’s driving profitability and make more informed decisions.
Because every client has unique needs, Sungard customizes the Credit Risk Management solution in a combination of software and consulting services to deliver a tailored and efficient solution.
Track risk exposure, improve credit assessment, enhance profitability management and more.
Ambit Credit Risk Management enables banks to achieve significant credit risk benefits. From making better lending decisions through comprehensive credit assessment, to tracking risk exposure with in-depth portfolio monitoring, to improving risk-adjusted performance through efficient capital management, banks can rely on Ambit’s comprehensive solution to manage credit risk more effectively and achieve regulatory compliance more easily.
Learn more now about Credit Risk Management with Sungard’s Ambit, as well as Sungard products for asset liquidity, fund transfer pricing, and other solutions for risk management for banking.
SunGard’s Ambit Risk & Performance Management solution provides banks with a suite of software to improve risk management for banking. An Ambit liquidity risk solution helps banks minimize the exposure to risk and the cost of liquidity risk. Ambit’s risk management solutions help banks to better manage risk-adjusted performance. Credit risk management solutions provide tools and intelligence for better lending decisions. Additional solutions help manage asset liquidity risk, provide tools for gauging return on equity capital, get an accurate view of return on risk capital (RORC), and help manage increasingly complex regulatory compliance standards.