SME financing

SME financing

We're here to help you

We're here to help you

A team of professionals

A team of professionals

Risk management and best banking practices

Risk management and best banking practices

Training adapted to your needs

Training adapted to your needs

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Devis

Contact-us

contact

4630 Miller Av., Montréal (Québec)
Canada H3W2E3

514-259-4440

514-259-4718

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12th Fl., Des Voeux Comm. Bldg 212-214 Des Voeux Rd. Central Sheung Wan, Hong Kong

852-2544-0733

852-2544-5733

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Risk management and Basel II & Basel III compliance

CIF is proud to be one of the leaders companies that specialize in risk management. We are world wide recognized for the competency, the efficiency and the seriously of our mandate executions. CIF offers a unique and comprehensive approach to Financial Institutions interested in improving their credit risk, market risk and operational risk management.

Credit Risk Management:

''The major cause of serious banking problems is directly related to lax credit standards for borrowers and counterparties, poor portfolio risk management, or a lack of attention to changes in economic or other circumstances that can lead to a deterioration in the credit standing of a bank's counterparties. Banks should now have a keen awareness of the need to identify, measure, monitor and control credit risk as well as to determine that they hold adequate capital against these risks and that they are adequately compensated for risks incurred.'' Basel Committee

CIF offers services to restructure banks credit management and to facilitate SME financing:

  • Study of credit processes of banks;
  • Analysis of loan portfolios;
  • Internal risk rating system including probability of defaults and loss given default.
  • Credit scoring;
  • Installation of corrective measures for the credit granting process;
  • Installation of a structure to analyze credit files;
  • Implementing a risk management structure;
  • Implementing a monitoring system;
  • Training adapted to each environment;   
  • Process of recovering bad loans adapted to each environment;
  • Designing and implementing strategies for banks in order to increase risk accepted loans     
  • Creation of new products adapted to SMEs lending;      
  • Reporting management systems
  • Risk pricing strategies
  • Risk diversification strategies
  • Financial Grid Analysis

Market and Operational Risks:

''In recognition of the evolutionary nature of bank management, Banks have an interest in applying market and operational risk practices that are consistent with safety and soundness’’. Basel Committee

CIF offers services to restructure banks market and Operational Risk management

  • Exchange rate risks
  • Interest rate risks
  • Asset-Liability Management (ALM)
  • Treasury Management   
  • Operational Risk Management


Banks performance evaluation

CIF also designed several products and services to evaluate the financial and structural performance of the banks. After having identified the strengths and weaknesses, CIF proposes clear recommendations in order to better position the institution within the market and work out development strategies.