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Case Studies

Ensuring profits through a robust structure

Business need:

Our client, a midsized Private bank, asked us to review their Mortgage credit policy and procedures to ensure that they were robust in supporting profitable and aggressive new asset growth.

Our solution:

Based on the review we provided to the client management:


  1. set of policy and process enhancements to mitigate the identified issues and risks and
  2. portfolio /policy MIS /tracking tool to monitor the MIS/credit policy effectiveness.


We undertook a detailed review of the Credit Policy and Procedures which was carried out by building a detailed portfolio MIS dashboard. A policy and process control review was also carried out as a part of the solution covering control procedures, policy deviation, credit delegation process /authority decisioning effectiveness review and collection process controls.


Our recommendations were implemented by the Management and the portfolio has been delivering the targeted results.