Case Study: Credit Management System for a
Leading Middle East Bank

Quick Facts

  • Solutions and Services :

    Risk Management

  • Industry :

    Banking & Financial Services

  • Organization Size :

    Top 10 in category

  • Country :



The bank creates a process that standardizes it’s credit assessment procedures and makes it seamlessly integrated

Business Challenge

Our client a leading banking player in the middle-east market urgently needed to address some critical-issues that were hampering its’ operations and subsequent business growth, such as –

  • Integrating the customer creation, credit appraisal and accounting process for corporate clients
  • Establishing segments to define its’ customer groups, which can be targeted in the future
  • Creating an approach for automatic credit-approval documentation, dashboards and scorecards
  • Being compliant with the regulatory by-laws for audits & reporting

However the major challenges that it was facing, included :

  • Data Governance issues and concerns
  • Incomplete customer data
  • Diverse and non-compatible data sources
  • Archives of non-digitized data comprising of collaterals and documentations
  • Non-compliance with the regulatory standards

Our Solution

Annik risk management professionals worked closely with the client team to understand the operations workflow and get a clear picture.

The solution approach focused on addressing four key aspects –

  1. Customer profile
  2. Credit appraisal
  3. Documentation
  4. Compliance reporting


Results & Benefits

Annik helped the client create an enhanced and efficient operating-model that will lead to the –

  • Optimization of the Credit Appraisal process
  • Reduction in the processing time
  • Automation of the post-sanction documentation procedures and the ensuing regulatory reporting

Value Proposition

Our risk management expertise helped deliver improved productivity and compliance, while laying the foundation for effective business decisions.



Eliminate Organizational Risk

Annik’s Credit Management System provides you the information and tools you need to monitor and evaluate the creditworthiness of customers leading to faster and effective decision making, credit documentation and audit management. With the help of reporting solutions, we help you tailor make your credit policies for your business needs and market conditions, ensuring balanced growth and financial stability.

Other Key features include:

  • An interactive suite of reporting tools that enable you to generate reports on a real time basis, including Basel and SOX Compliance Reports.
  • Mobile enabled
  • Combined limits and exposure for banking and treasury books to provide a holistic view of credit limits
  • Limit management at different levels, as well as interchange ability, collateral management, risk management and exposure monitoring with tracking at the bank, region and industry/sector level
  • User defined workflow configuration across all units
  • A wide range of parameter-driven choices provided by CMS enables you to quickly support new products

CMS_download Credit Management System

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Case Study

Annik helps a leading bank standardized its credit assessment procedures and make it operations seamlessly integrated for improved productivity and compliance...

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