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RAM Consultancy
 


RAM HOLDINGS BERHAD
Credit Risk Management


Consulting Services

Our consulting services are multi-disciplinary in approach and strategic in focus. Our core areas revolve around credit risk management, and strategic business and project advisory. These services leverage on the consulting team’s expertise and resources developed over the years in credit rating and risk analysis, economics research, industry studies, project management and business advisory.

Credit Risk Management

We develop credit risk models/grading systems/scorecards/general risk models for corporate and retail segments that deploy methodologies ranging from expert judgment to advanced statistical and machine learning methods. By leveraging on the RAM group of resources and analytical abilities and guided by an intimate knowledge of local operating environment, we are able to offer the most appropriate and cost effective solutions that meet clients’ requirements.

Risk Products and Services

Model Development

  • Model development for corporate and SME segments, retail scoring, and project financing.
  • Models are customized to client’s portfolio.
  • Modeling with powerful state-of-the art software anchored by statistically sound methodologies

Model Calibration

  • Calibration of models to internal PD master scale or benchmarked/shadow rating to External Credit Assessment Institution (ECAI)

Model Validation

  • Validation of client’s internal rating models to Basel II and regulatory requirements and best practices

Risk Framework and Processes

  • We provide advisory for risk architecture and policy framework, workflow processes, and database management, for effective credit risk management and compliance to regulatory requirements and best practices

Credit Database

  • Advisory on credit database design, specification and system integration to fit project purpose and ensure continuity of effective deployment and data support

Risk Training

  • General corporate credit analysis
  • Risk modeling techniques via hands-on workshops

Other Related Services

  • We also offer gap analysis studies, financial and industry benchmarking for Malaysian Companies, and financial spreading tools



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