Banking & Financial Consulting

Credit Portfolio Management

Our specialists leverage exceptional industry experience, analytical expertise and commercial insight to deliver policy, strategy and process solutions for measuring and managing credit risks. Achieve sustainable growth, manage adverse emerging trends, and improve customer experience with 4most.

What we offer

Asset quality review

Whether working independently or hand-in-hand with your team, we have the skills to assess overall portfolio quality. We can also review a particular segment, strategy or emerging trend to understand possible areas of concern and deliver options for remediation.

Existing customer management

We will support you to develop, optimise and maintain account management credit criteria, from ongoing price and limit management to proactive in-life contact strategies. Use our knowledge to optimise your profits and customer engagement through enhanced customer experience.

Monitoring solutions

We offer a range of solutions to suit the needs of all portfolios, including our automated monitoring suite LUMOS which enables easy, efficient and interactive data exploration. We can enhance existing capabilities or design bespoke monitoring solutions for any portfolio.

Risk appetite

We can support the development and monitoring of a Credit Risk Appetite Statement that is reflective of business constraints. We help businesses understand how their portfolios will evolve in different scenarios, allowing them to optimise sustainable performance and adapt strategies accordingly.

Collateral valuation models

Gain an enhanced view of property valuation, including residential, BTL and IPRE. We provide a view of LTV distribution to support the assessment of impairment, capital and segments of negative equity, flood risk or poor EPC.

Affordability strategy

Leverage the power of your internal transactional level data, use ONS data, or take advantage of our proprietary transactional data sources to develop greater insights into affordability across the customer lifecycle, with supporting strategies that are appropriate for your customers. Monitor and optimise your credit limit management strategies and enhance risk reward.

Why choose 4most?

250+ consultants

Each with our own specialisms, experience, and insights. When you work with one of us, you work with all of us.

Trusted 100%

Our track record speaks for itself. In our most recent Client Satisfaction Survey, every single one of our clients recommended us.

Tailored to you

We take the time to understand your unique challenges so that we can deliver bespoke solutions that truly make a difference.

True specialists

There’s experts, and then there’s specialists. We live and breathe risk analytics consulting every day, which means we stay in tune with the latest trends.

Key contacts

Daniel Mclean

Client Partner

John Bridgman

Associate Partner

“4most’s extensive industry experience has enabled us to look at risk management from a broader perspective. We can now make quicker process changes and better understand our customer profiles.”