The new solution offers a number of organizational and legal improvements in risk assessment. And, as a person who thinks strategically, I like the fact that business logic can be used so flexibly.
Jacques Mouton
Head of Credit, Rand Merchant Bank
Rand Merchant Bank & ACTICO
South African Investment Bank modernizes credit risk rating with ACTICO’s centralized platform
Investment Banking | Commercial Credit Risk Assessment | EMEA
Challenge
- Implementation of a centralized and IRBA-compliant credit risk rating platform
- Integration of the bank’s large number of internal credit rating models (PD and LGD)
- End users are provided with a user-friendly web-based front-end to perform multi-stage role-based risk rating workflows
- Integration with existing systems for upstream data integration (e.g. obligor master data, financial spreading tool, data warehouse)
- Export of rating results into the bank’s data warehouse and archiving system
Solution
ACTICO products in use
Impact
- Fully-auditable rating workflow that optimally supports the credit analysts during the entire risk rating process
- Flexible implementation, testing, simulation and documentation of rating models by the bank’s risk management team using a graphical model authoring environment
- Implementation of all of the bank’s rating models (>20 models) on a centralized risk rating platform
- Creation of a centralized data storage for model validation and risk reporting
About our customer
Rand Merchant Bank is a leading African Corporate and Investment Bank and part of one of the largest financial services groups in Africa (by market capitalization) – FirstRand Limited.
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