Digitalization
Banking Risk Office

Risk Management Business App

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The Challenge

Monitoring, management and control of risks 

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The demands on banks' risk management have increased significantly in recent years. Risk office experts must regularly respond to new requirements when performing complex analyses around loan assessments or evaluating secondary sources of repayment from collateral.

In the lifecycle of a loan portfolio, prolongations, disclosures, monitoring, waivers, and much more repeatedly lead to new tasks for the back office, especially in corporate banking.

If there is no digital system to support them, this makes the work of risk analysts even more difficult:

  • Analyses are carried out manually in a time-consuming manner in various documents (usually Word and Excel).
  • System discontinuities: results are transferred to a decision document or a target system for decision management
  • Audit-compliant management of documents often not possible
  • Missing documents or pending deliveries interrupt processing if no option for smart collaboration exists
  • High documentation requirements and supervisory obligations to provide evidence cannot be fully complied with

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Risk Management Business App

The Solution for the Digital Banking Risk Office


  • mockrocket-capture (4) (1) (1)Customizable permissions and built-in substitution for all back-office employees
  • Use of the app at various locations through multi-client capability and multi-language support
  • Automation of template preparation and structuring in digital template portfolios by the system
  • Customizable system support for many tasks (for example, target document determination and automated request, preparation of analyses and assignment of pending analysis steps, collaboration from within the digital template)
  • Dashboards clearly display the status of requests or templates, processing times and more
  • Business intelligence: smart forecasting of expected processing time for loan applications or templates
  • Immediate interaction with customers via document request and chat when integrated into the customer portal.

The Risk Management Business App was developed using the tools of the isfinancial banking platform and is specifically tailored to the needs of the risk office. The application also serves our customers as a base for system support of EBA and ESG requirements.

20%

system support for routine activities

23%

faster to final
loan template

10%

reduced transaction costs in application processing


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Master ESG reporting digitally

ESG calls for smart collaboration among many players in the bank. This makes it a topic for digital transformation initiatives in particular. Find out what a digital solution for ESG reporting might look like in our blog post.

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