How a ‘sushi circle’ approach can improve credit risk management

AI can help banks shift from manual corporate loan reviews to continuous, digitised risk monitoring

Digital technologies have been transforming many operations within banks, but one area could use a digital overhaul: credit file monitoring. Most banks spend significant time and effort on regular and regulator-required credit file and loan portfolio reviews – we estimate an average of between 25% and 75% of overall credit department staffing capacity. Banks currently tend to conduct risk analysis tasks manually, especially in corporate lending.

As a result, despite banks’ early warning systems

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