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SME Credit Score Factor
...n the construction of a numerical [[SME Credit Score]] as part of an [[SME Credit Scorecard]] building procedure. These factors typically serve as ''predicto ...it Data]]). Therefore a grouping of data inputs that can be used as credit risk factors into conceptual categories is useful as an organizing principle.

10 KB (1,333 words) - 21:00, 31 March 2021
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
Customer Segmentation
...entation''' (also ''Portfolio Segmentation'') denotes the splitting of a [[Credit Portfolio]] (of any [[Financial Product]] portfolio more generally) into sm ...important tool toward identifying sub-sets of clients that exhibit similar risk characteristics. Segmentation can be either ''heuristic'', based on existin

2 KB (281 words) - 16:38, 10 February 2023
How to Map Climate Risk to the Open Risk Taxonomy
== How to Map Climate Risk to the Open Risk Taxonomy == ...new form of risk as they are new (or more sharply defined) [[Risk Factor | risk factors]].

8 KB (1,086 words) - 12:25, 24 August 2023
Portfolio Investment Strategy
...jectives. It denotes the set of concrete plans and constraints (investment strategy, hedging strategies) that help shape overall [[Portfolio Management]] activ ...n the mandate and business model of the organization. A concrete Portfolio Strategy might be specified using the following components:

2 KB (242 words) - 13:40, 10 June 2021
Lender Right
...ne health, unemployment etc.). - this is the Borrower mitigating their own risk. Prevents foreclosure. Similar to general sickness etc. Where the lender ch

3 KB (450 words) - 11:21, 8 October 2019
Credit Portfolio versus Loan Portfolio
== Credit Portfolio versus Loan Portfolio == ...varies. A loan portfolio is best understood as a ''subset'' of the broader credit portfolio class that only involves loans.

1 KB (207 words) - 11:18, 5 October 2021
ESG Criteria
* tax strategy ...Risks]] in their credit risk appetite and risk management policies, credit risk policies and procedures, adopting a holistic approach <ref>EBA, Guidelines

3 KB (355 words) - 14:56, 11 August 2021
Credit Scorecard Taxonomy
== Credit Scorecard Taxonomy == There are many [[Credit Scorecard]] types. The following categories break them down to the main cla

3 KB (359 words) - 21:01, 11 September 2020
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 Culture
...that determine a credit institution's commitment to and style of [[Credit Risk Management]]. Institutions should develop a credit risk culture as part of the overall risk culture through policies, communication and staff training, in accordance w

2 KB (332 words) - 14:49, 24 April 2024
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
Environmentally Sustainable Lending
investment, including equity, debt, guarantee or a risk management tool, issued in exchange for the delivery of financing activitie ...ding policies and procedures, covering the granting and monitoring of such credit facilities.

3 KB (390 words) - 12:42, 5 June 2020
Credit Risk Skills
...e available to the staff of an organization in the context of its [[Credit Risk Management]] ...d to credit risk taking and, in particular, credit decision-making, credit risk management and internal control.

2 KB (209 words) - 16:36, 3 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
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
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
ESG Factors
...individual.<ref>EBA Report: On Management and Supervision of ESG Risks for Credit Instituions and Investment Firms, EBA/REP/2021/18</ref> ...institutions through their counterparties and invested assets are called [[Risk Transmission Channel | ''transmission channels'']].

4 KB (474 words) - 16:14, 15 January 2023
Risk Committee
...strategy, and for overseeing senior management’s implementation of that strategy. <ref>BCBS, Principles for enhancing ...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
ISCO Occupation Group 2412.6 Investment Fund Manager
...nies; working closely with the investment analyst. This occupation manages strategy and does not always work with relations between shareholders or investors. * Manage Financial Risk

2 KB (298 words) - 12:11, 26 February 2021
ISCO Occupation Group 1221.2 Banking Products Manager
...mprovements. Banking products managers assist with the sales and marketing strategy of the bank. * Analyse Financial Risk

2 KB (260 words) - 15:52, 31 March 2022
ISCO Occupation Group 2412.4 Financial Planner
...g, risk management and insurance planning, and tax planning. They advise a strategy tailored to the client's needs. They ensure the accuracy of bank and other * Maintain Credit History Of Clients

3 KB (320 words) - 12:15, 26 February 2021
ISCO Occupation Group 3312.2 Credit Adviser
...edit portfolio. Credit advisers also have expertise in debt management and credit consolidation. * Examine Credit Ratings

2 KB (302 words) - 12:23, 26 February 2021
BCBS 80
...losure relating to key elements of the New Basel Capital Accord - capital, risk exposure and assessment and capital adequacy - will assist participants in ...>Market Risk Internal Modelling</strong>; disclosure of the type of market risk models used (e.g. VAR), the model's parameters, the bank's policies and pro

6 KB (872 words) - 11:46, 26 March 2021
BCBS 90
...ritisation activities, credit risk, credit derivatives, other derivatives, risk diversification, accounting and presentation policies, and other risks.</p> ...f the information increases, with information about credit risk modelling, credit derivatives, and securitisation disclosed by fewer than half of the banks.

7 KB (1,011 words) - 11:46, 26 March 2021
ESG Risk Mitigation
...appropriate<ref>EBA Report: On Management and Supervision of ESG Risks for Credit Instituions and Investment Firms, EBA/REP/2021/18</ref> [[Category:ESG Risk Management]]

542 bytes (76 words) - 17:09, 11 August 2021
List of ESG Factors
...]] criteria<ref>EBA Report: On Management and Supervision of ESG Risks for Credit Instituions and Investment Firms, EBA/REP/2021/18</ref>, <ref>Final Report ...y high (greater than 80%) in the World Resources Institute’s (WRI) Water Risk Atlas tool ‘Aqueduct’.

18 KB (2,504 words) - 12:08, 11 March 2024
Sustainable Portfolio Management
* the nature of the portfolio and its constituent instruments (e.g. credit portfolios, securities, derivatives etc.) * Risk Analytics

2 KB (296 words) - 13:09, 16 June 2023
Relationship Between Risk And Reward
...Between Risk And Reward'' is a topic in the [[:Category:Risk And Reward | Risk And Reward]] subject matter domain.<ref>European Union/OECD (2022), Financi Mastering the role of Relationship Between Risk And Reward in financial literacy context requires the following competences

1 KB (198 words) - 16:35, 1 April 2022
European Sustainability Reporting Standards
...nities, including the strategy for addressing them (see ESRS 2, chapter 3, Strategy); ...d and managed through policies and actions (see ESRS 2, chapter 4, Impact, risk and opportunity management)

9 KB (1,271 words) - 15:30, 31 May 2023