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 Our system is the complete
solution for pricing and
structuring specialized
assets with Basel II compliance. |
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The SFS System is live on
over $100 Bn of CRE assets
in over 20 countries. |
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Cashflow models for
infrastructure projects are
embedded in the system for
automatic risk analysis. |
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Advanced analytics
in a complete enterprise-level
IT solution. |
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Advanced analytics in a complete enterprise-level IT
Risk Integrated’s consulting services focuses on risk measurement in specialized lending. We create tools and policies to assist financial institutions to quantify, manage, and report their risks. These tools assess the assets of banks, insurance companies, asset managers, governments, and industrial companies. The lines of business we specialize in are lending for commercial real estate, project finance, object finance, commodities, and asset-backed securities. Our objective is to give each client a clear view of their current risk on outstanding loans, to properly assess the “riskiness” of new deals in the pipeline, and to show how the risks can be mitigated.
To confidently and consistently measure risk requires the use of advanced risk tools. Our Specialized Finance System is the risk industry's most methodologically complete and technically robust. Importantly, it is delivered through thoughtful consulting services. Our company is a full-service consulting firm providing software-enabled consulting. Institutions use our methodology for structuring and pricing of new loans and monitoring their portfolios of existing loans.
Our approach enables full Basel II compliance rewarding the client with the best capital coverage requirement (the “advanced” level). It also fulfills the institution's obligation for communication with shareholders and regulators.
To get the Risk Integrated risk measurement system up and running, we first meet extensively with the client to train the client on the existing systems and determine the specific tailoring needs. This includes methodology, technology, data-flow, workflow and reporting. Having identified the required tailoring, we reconfigure the system as needed and then complete user acceptance testing. To ensure that the institution can get full value from the system, we suggest that the client assigns two new analysts to the project team to learn the system inside-out.
A typical project lasts 2-6 months, depending on the level of integration and tailoring desired. We typically provide maintenance contracts of three to five years as required.
In addition to delivery of the Specialized Finance System, we also provide more classical risk and Basel training and consulting.
Integrated Risk Management
A truly integrated risk view gives management an accurate picture of profitability and risk (and minimizes the possibility for internal arbitrage). Risk Integrated has designed its methodology to interact well with other risk sources in a client’s organization. The interactions are quantified by identifying common drivers of loss or using loss correlations. The Specialized Finance System can be used as a technology platform to incorporate many different types of risk models and make them available from a single source over the institution’s intra-net.
We also have integrated our system into institutions’ IT architecture to save double-keying and to minimize operational risk. We provide clients with a range of technology solutions, from pure Excel to web-enabled fully-integrated enterprise level systems that, in the extreme case, can even be accessed in the field via cell phone.
Banking
Risk Integrated has developed the leading approach for measuring the market, credit, and event risk interlaced in complex portfolios such as credit derivatives, commercial real estate, guarantees, and project finance loans. Our approach to specialized finance gives lenders, deal-makers and risk managers powerful insights into risk and return to improve the structuring, pricing, hedging and sales of specialized finance assets and portfolios.
Insurance
Risk Integrated provides consulting and technology solutions to aid insurance companies in managing their investment assets. The insurance industry will soon face another big challenge with the implementation of the Solvency II regulations. Solvency II aims to achieve for the insurance industry what Basel II will do for banking by linking capital requirements to risk exposure.
Asset Management
Risk Integrated has developed the leading approach for adapting “value-at-risk” to manage the risk for the whole asset management institution, guiding the CEO towards the best mix of funds, and the best structure for fees and costs. The SFS provides performance relative to benchmarks to allow portfolio optimization.
Public sector
Risk Integrated assists all levels of governments in managing complex financial instruments such as infrastructure guarantees, syndicated loans, and project finance. We also assist by providing training and general risk consulting.
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