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Cut-Off Score
...ce Level'') that is used to support the [[Credit Decisioning]] step of a [[Credit Origination]] process. ...uces a binary indicator (Yes/No) which can then be used as-is to trigger a credit decision (e.g., reject / accept), in which case we are talking as a ''Hard

875 bytes (126 words) - 21:01, 11 September 2020
Risk Management Wisdom
== Risk Management Wisdom == <li>Financial risk model complexity and quality are not necessarily correlated. But complexity

3 KB (490 words) - 14:48, 24 April 2024
ESG Criteria
...Risks]] in their credit risk appetite and risk management policies, credit risk policies and procedures, adopting a holistic approach <ref>EBA, Guidelines ...l impact of environmental factors and climate change, in their credit risk appetite, policies and procedures.

3 KB (355 words) - 14:56, 11 August 2021
EBA Guidelines on Loan Origination and Monitoring
...r to ensure that institutions have robust and prudent approaches to credit risk taking, management and monitoring. == 4. Credit Granting Governance ==

8 KB (957 words) - 15:48, 31 March 2022
Management Responsibilities in Credit Granting
== Management Responsibilities in Credit Granting == ...s referred to in the EBA Guidelines on internal governance, in relation to credit granting, should<ref>EBA, Guidelines on loan origination and monitoring EBA

2 KB (262 words) - 11:29, 3 June 2020
Credit Risk Appetite, Strategy and Credit Risk Limits
== Credit Risk Appetite, Strategy and Credit Risk Limits == ...al governance, institutions should apply further conditions in relation to credit granting and monitoring, as set out in this section. <ref>EBA, Guidelines o

2 KB (296 words) - 12:49, 3 June 2020
Credit Risk Policy
...rganization's perception and attitude towards the range or [[Credit Risk | credit risks]] it faces and desires to manage The Credit Risk policy is a key part of an organization's [[Risk Framework]]

7 KB (921 words) - 22:02, 25 October 2021
Leveraged Transaction
Indicatively<ref>ECB, Guidance on leveraged transactions</ref>, a credit institution is expected to consider as a leveraged transaction any transact * all types of loan or credit exposure where the borrower’s post-financing level of leverage exceeds a

3 KB (396 words) - 14:49, 3 June 2020
Credit Decision Making
...in relation to its [[Credit Risk Management]] (e.g. [[Risk Acceptance]], [[Credit Portfolio Management]]) etc. ...ies within an institution, including a description of the hierarchy of the credit decision-makers and their allocation within the institution’s organisatio

3 KB (492 words) - 14:02, 4 June 2020
Remuneration Framework
...is particularly important in the context of [[Internal Governance]] and [[Risk Management]] in view of the incentives it generates. == EBA Requirements in Credit Granting Context<ref>EBA, Guidelines on loan origination and monitoring EBA

2 KB (307 words) - 16:52, 3 June 2020
Leveraged Transactions Credit Risk Analysis
'''Leveraged Transactions Credit Risk Analysis''' is the [[Credit Risk Analysis]] of lending transactions with substancial leverage ([[Leveraged T ...institution’s risk appetite) and form part of the credit delegation and risk management escalation framework of an institution.

1 KB (156 words) - 14:44, 1 September 2020
Corporate Credit Risk Analysis
'''Corporate Credit Risk Analysis''' denotes [[Credit Risk Analysis]] as it applies to medium-to-large sized enterprizes. ...cation is in line with the institution’s credit risk appetite, policies, credit-granting criteria, limits and relevant metrics, as well as any relevant mac

12 KB (1,843 words) - 14:46, 1 September 2020
SME Credit Risk Analysis
'''SME Credit Risk Analysis''' is the specialization of [[Credit Risk Analysis]] to the particular context of [[SME Lending]]. General requirements for the analysis of SME Credit Risk are set in<ref>EBA, Guidelines on loan origination and monitoring EBA/GL/20

11 KB (1,537 words) - 22:17, 31 March 2021
Generic Retail Credit Risk Analysis
...it Risk Analysis''' covers general best practices when performing [[Credit Risk Analysis]] for consumer lending ...cation is in line with the institutions’ credit risk appetite, policies, credit-granting criteria, limits and relevant metrics, as well as any relevant mac

3 KB (454 words) - 14:44, 1 September 2020
Monitoring of Credit Exposures and Borrowers
...onitoring of Credit Exposures and Borrowers''' is a subset of the [[Credit Risk Monitoring]] framework that focuses on the monitoring of [[Outstanding Amou ...h the conditions set at the point of credit granting, such as adherence to credit metrics and covenants.

3 KB (364 words) - 18:22, 4 June 2020
Early Warning Indicators for Credit Risk
...g Indicators]] that are used specifically for the anticipation of [[Credit Risk]] events. ...ty, profitability, market and macroeconomic metrics. In the context of the risk control framework, an institution can use progressive metrics (“traffic l

6 KB (922 words) - 11:13, 22 December 2020
EBA Sustainable Lending Guidelines
| Credit Risk Culture ...Culture]] should include an adequate ''tone from the top'' and ensure that credit is granted to borrowers considering the impact on sustainability, and relat

4 KB (597 words) - 14:19, 5 June 2020
Overrides
...scoring systems]], reflecting various operational limitations and [[Model Risk]] ...]] of the intervention (accepting a rejected risk or rejecting an approved risk)

2 KB (244 words) - 18:36, 8 September 2020
Account Officer
* Responsible for the low level implementation the firm's [[Risk Appetite]] ...ion from the borrower. (Some banks assign risk rating responsibility to a credit officer, loan review officer, or a more senior bank officer) <ref>Loan Port

836 bytes (111 words) - 11:06, 5 October 2021
Risk Committee
...vising the board on the bank’s overall current and future risk tolerance/appetite and strategy, and for overseeing senior management’s implementation of th ...ee responsibities include capital and liquidity management, as well as for credit, market, operational, compliance, reputational and other risks of the insti

949 bytes (124 words) - 14:39, 24 November 2020