Any organization that lends money, whether with interest or without, must ensure that the individual or entity they are lending the money to, has the capacity and willingness to repay such debt. Overall, Credit Risk Management attempts through numerous quantitative and qualitative means, to determine whether to approve or decline a prospective borrower and under what terms and conditions. In addition, Credit Risk Management measures the ongoing repayment behavior of all customers in pools, portfolios or individually, ensuring that the degree or expected risk when the loan is made is understood and does not deteriorate through time.

At GCRMS we specialize in determining whether the approval structure, including policies, procedures and processes, are adequate for the degree of risk designated by Senior Management and/or the Board of Directors. In the back-end, we excel in assessing whether the right risk metrics and portfolio reports are appropriately in place, whether the Allowance for Loan Losses is proportionally adequate for expected losses and whether the institution understands and knows its customers.

We have extensive experience in all aspects of Risk Management and with all levels and sizes of institutions.