CREDIT RISK ARCHITECT

Banks and other financial institutions continue to suffer under the burden of non performing loans with the industry having to make provisions for write-offs of impaired loans worth billions. Our Credit Risk Architect (CRA) provides a modern and proactive risk management architecture mechanism that offers a solution to mitigating credit default and recovery in the financial industry. Our assessment model is a risk architect management system that encompasses the entire risk chain from the initiator of credit (banks) to the end user. We identify the various aspects of risk along the credit line and apportion to each related party in the credit cycle the necessary actions to mitigate the risk factors. Our CRA cuts across a wide spectrum in the financial industry. We partner Multilateral Development Banks (MDB’s), Development Finance Institutions (DFI’s), Commercial Banks, Non Bank Financial Institutions, Micro Finance and other financial institutions to deliver credit risk management services that protects their interest and capital.

SOVEREIGN CREDIT RISK ARCHITECT

• Multilateral Development Banks (MDB)

Our Sovereign Credit Risk Architect partners with MDB’s in critical areas such as re-negotiation of debt repayment strategies, management of debt and the entire legal financial transactions between MDB’s and sovereign nations for debt repayment engineering to countries who have defaulted in their debt obligations. Debt default has its consequences not only the balance sheet of MDB’S but also on the global economic and financial architecture. Advancing credit facilities to developing and undeveloped countries should not be seen as an exercise in futility. These countries have the ability to make payments on their loan obligations if they are given the necessary renegotiation and economic management recovery space and the necessary push in the right direction. We partner MDB’s in debt restructuring programs in accumulation on their balance sheets liabilities of sovereign defaults in principal and interest payments that have existed for years without any remedy. We at Business District provide a top level senior management world class trained experienced professionals across various industries such as financial economists, legal financial experts, international economists, powerhouse global economists, industry trained investment bankers, chartered accountants & international tax experts, top level projects & investments negotiators and other Venture Architects who assess every country’s debt on case by case basis developing specific strategic debt repayment models to service their debt obligations. Over the years our team has well researched and developed a global debt surveillance data. Revenue generation and transmission models are designed to build capacity for countries who are indebted to MDB’s to honour their debt obligations. We build private sector pillars as a foundation to engineer the process of debt repayment while preserving economic and financial stability. To mitigate the rapid rate of sovereignty debt default, Business District provides MDB’s with surveillance services when loan facilities are disbursed. Our Sovereign Risk Advisory keep track of all project executions affiliated to disbursed loans ensuring that the projects, time span, costs all align with the objectives of the MDB’s. We also keep abreast with conditionalities attached to each loan ensuring that countries strictly abide by them. We provide timely reports to keep MDB’s abreast with the day to day progress of all loans and their affiliate projects. Our expertise are on-site to guide and provide professional advice when needed all to ensure that loans disbursed are stringently executed as agreed and time schedules are duly applied to ensure non-delay in repayment of loans.

3RD SYSTEM CREDIT RISK MANAGER

• Development Finance Institutions (DFI’s), Commercial Banks & Other Financial Institutions

We partner DFI’s, banks and financial institutions to recoup non-performing loans in the industry by providing our expert credit risk architects at the disposal of the bank’s defaulted loan beneficiaries especially the private sector defaulters to work hand in hand in providing corporate solutions for cash flow generation to service their debt. The default of credit by beneficiaries provides banks an opportunity to reassess the client’s financial position and provide re-financing options to ensure that repayment becomes feasible. Our CRA service combines venture architecture and debt collection to form a unique brand where we assist banks to retrieve bad debt by making our experts available to their loan defaulters to restructure their business enterprise focusing on generating higher revenue and cash flows to service their debt obligation. We provide the necessary venture and financial advisory ranging from;

• Strategic Governance Restructuring
• Strategic Institutional Restructuring
• Corporate Finance Advisory
• Business Growth & Development Strategy
• Debt Management
• Strategic Business Planning

We assist clients in their business restructuring and management to strengthen their business fundamentals and empower them to be in a position to fulfil their debt obligations to financial institutions. We also strategically position our credit forensic architect experts to assist our institutional clients to analyze their non-performing loans at either local or international level. We lawfully represent and negotiate on their behalf with their bankers as their appointed specialized Credit Forensic Architect to agree amicably on a new feasible repayment plan to avoid asset liquidation or legal dispute.

1ST HAND CREDIT RISK MANAGER

The approval stage for credit disbursement also has an element of risk exposure for banks especially since some loan beneficiaries have the tendency to misappropriate the funds allocated to them. This is only possible when the monitoring of the beneficiary is not stringent. Our CRA provides DFI’s, banks and other financial institutions with a comprehensive on-site monitoring system where Business District is actively involved in the day to day activities. of the business of loan beneficiaries. We provide real time information to banks on the daily activities and occurrences on their operational routines. Our Credit Risk Architects are always on-site ensuring that they provide the needed support to beneficiaries and also guide them to implement the agreed terms of the loan as required by the bank. Our technical expertise provides advisory services that will boost operational efficiency and profitability to ensure that clients meet their debt obligation to their bank. Any inconveniences will immediately be reported to the bank for rapid response and mitigating measures to be quickly enforced.

INTELLIGENCE COACH

Risk management is a crucial part of the operations of financial institutions, being directly linked with the performance or non-performance of loan portfolios. Although financial institutions are well experienced in this area, many loan applicants/ beneficiaries may not have the same knowledge in the area of risk intelligence to appropriately manage the loans given to them and as a result default in their repayment. We provide specialized Risk Intelligence Analysis training called the Intelligence Coach where we train loan applicants/beneficiaries on the entire credit cycle from application to repayment of credit facility.

Some of the modules include;

• Financing Gap Analysis
• Debt Financing Option
• Debt Management
• Business Modelling
• Re-Financing Strategy

Our seminars are given a unique touch with practical and real time scenarios for participants to fully appreciate the concept of risk management.

CREDIT FORENSIC ARCHITECT

Our Credit Forensic Architect (CFA) provides risk assessment support for financial institutions in the evaluation of credit application. The CFA looks beyond traditional banking procedures and delves into the world of business in assessment of credit risk. Every business has its own specific risk exposure and this has to be evaluated independent of other external factors. Collateral system is not enough to mitigate credit risk but evaluating every business according to its model viability and sustainability per its business plan in both the short and long term will provide a holistic view on the risk potential of the business. Liquidity is at the core of loan repayment and this is what our CFA is targeting to achieve, to evaluate the various factors that affect and impact specific businesses and their liquidity in our credit assessment architecture. Our CFA provides an independent comprehensive business and industrial report on every business loan applicant, detailing their risk profile and forecasting their business performance in alignment with the duration of the loan repayment schedule.

Our Credit Forensic Architect Report covers extensive details including;

• Governance, Management Leadership, Financial & Revenue Stability Analytics, Risk, Liquidity, Business Model Viability, Market Credibility & Suitability, Global Economic Outlook, Business Strategic Plan Analytics, Customer Innovation Branding, Legal & Compliance Analytics, Technology Intelligence.

 COLLATERAL SECURITY ARCHITECT

Collateral security has become an integral part of the banking system all over the world. To protect their risk exposure, financial institutions accept collateral security ranging from houses, cars, equipments among other assets from loan beneficiaries as a measure to recoup capital through the sale of these assets in the event of default of credit. Unfortunately, this measure of risk protection has become a burden to financial institutions since it sometimes becomes a challenge to dispose-off these assets. The slow pace in the buyer’s market compel financial institutions to sometimes hold on to collateral assets longer than necessary which becomes a cost to them especially when the assets begins to loose value over the holding period as well as maintenance costs to continuously keep these assets in good condition. Our Collateral Security Architects are specialized in creating value from collateral security assets and harnessing their in-built revenue potential by putting them to good economic use. The delay in the buyer’s market for collateral security assets should not become a cost or burden to any financial institution but rather an opportunity for these assets to become a source of revenue that could boost the bottom line profitability of financial institutions. We manage collateral security assets such as; Residential Estates, Private & Commercial Vehicles, factories, equipments among others to generate profitable income on behalf of financial institutions. Banks, Savings & Loans, Microfinance, Non- Bank Financial Institutions who are facing challenges in managing their collateral security portfolio can rely on Business District for excellent collateral management services to create an alternative income stream.

ABSOLVENCY INSOLVENCY DEBT & EXCHANGE SERVICES

We offer Banks and financial institutions a pathway to dispose off the non-performing loans on their balance sheets through our debt discount purchase plan. We buy both short and long term bad debts at a discount and provide banks liquidity to free up the hold up cash on non-performing loans. Our debt purchase involves all parties including the defaulted client to agree on the terms of the debt purchase and re-financing. Our expert debt architects with our risk models evaluate every debt situation on a case by case basis providing for consideration a purchase debt price after undertaking appropriate risk analytics for all parties involved. Our debt purchase plan covers a wide sector spectrum including agro business, manufacturing, services and mining among others.

RECEIVERSHIP ARCHITECT SERVICES

We provide receivership services in the banking industry by acting on behalf of the regulatory body, the central bank, ensuring the survival and sustainability of banks and other financial institutions both in the short and long term. Our team of Quality Venture Architects with a sound accumulation of knowledge and wisdom with exceptional leadership discernment provides stewardship in distress and transitional phase of banks and other financial institutions to ensure the operational stability and savings preservation of customers. As Specialized Cross Chain Venture Architects, our management analytics is unparalleled in the industry with focus on Global Corporate Governance and Performance. We focus on managing various functional areas of banks and we are not limited with our expertise. We provide holistic management services covering the entire operational spectrum ranging from the governance level, executive management level to staff workforce level across the banking business. We design and assemble pro-active solutions to aid in the restructuring of distressed banks and provide an overhaul corporate distress analytics for corporate organizations in the banking business that are experiencing seasonal, systematic and bankruptcy distress. We also manage specific departments that require our knowledge expertise across the various departments of financial institutions. Our wide range of expertise provides us with the ability to deliver for banks in whichever way they regulatory body sees fit to appoint us.

 

STRATEGIC BANKING SOLUTIONS

Competition in the banking industry today is at its peak generating high levels of innovation in the sector. At Business District, we provide banks with strategic insight into economic and consumer patterns to inform them of market trends. Our banking expertise are experienced in designing banking products and policies built around data analytics and consumer preference to offer our clients superior advantage in the market.

• Profit Optimization

The saturated banking industry has given rise to fierce competition thereby spreading thinly the profits generated by banks. Our expert banking professionals are well versed in the dynamics of banking patterns and provide innovation and competitive strategies to enhance profit maximization by our clients. We deliver compelling revenue generation models for our clients to reap the benefits in a highly competitive banking market.

• Strategic Planning

At Business District, we do not just plan but our planning is built on key industry patterns and forecasting to design strategic keys for taking over the market. We design strategic plans for market entry, market territorial dominance, product/service relevance as well as pre and post-feasibility studies, economic and financial survey, specific market research and policy evaluation. We structure comprehensive strategic business plans that ensures that decisions are stream lined in accordance with the bank’s long-term objectives.

• Growth & Expansion

Increasing the size of your balance sheet in the banking industry has become synonymous with growth. We provide our clients in the banking industry the opportunity to grow their balance sheet by offering strategic advice on diverse growth and expansion models including mergers and acquisition. We assist our clients by matching them with credible and viable options in the market that will assist them realize their desired objectives. Our team of Venture Analytics Managers provide clients with detailed analytics report to ensure the seamless integration of both banks for the desired synergies to be optimized.

• Recapitalization

We assist banks in their recapitalization efforts to meet regulatory requirements or as a risk buffer. We act as lead transactional advisors for banks to raise the needed capital required from both local and international capital markets. Our wide network of financing partners allows us the leverage to deliver on our client’s mandate speedily and accurately to avoid any punitive measures by the regulatory body.

• Liquidity Analytics

We offer analytics services to banks for the management of liquidity on the balance sheet. We assist our clients with innovative liquidity models that enhances free cash flow and limits the risk of liquidity challenges. Our professionals are highly trained to identify gaps in liquidity management policies and provide adequate remedies that suits our client’s operational strategy.

• Governance & Term Leadership

In the interim, we partner our clients in the banking industry in support of providing interim governance and term leadership when needed. Our clients count on us, to offer them the best and experienced professionals to assist them on their board or in executive management level. Our support is meant to cushion our clients for a term duration during seasons of distress or change in leadership whiles they undertake a search for a substantive replacement whiles we hold the fort.

• Executive Partnership

We offer exclusive executive technical support to the top level management of banks. The position of Chief Executive Officer (CEO), Chief Operating Officer (COO), Chief Financial Officer (CFO), Chief Risk Officer (CRO) and Chief Technology Officer (CTO) receives technical support from us in their daily operational functions. We also have high level Legal experts with unique expertise in modern trained areas of Cyber Security Law & Technology Lawyers who deals with sensitive and complex data analytics. Our Venture Architect team, avail themselves on a continual daily basis to offer sound technical advice in coverage of strategic operational areas of the bank to achieve specific measurable targets.