To what extent is risk management at ING managed at sector level and how can client risk within sectors be better categorized ? Risk client classification tool
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HUART_31181700_2022.pdf
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- This paper is a contribution to a desire for improvement within the ING bank in the field of Credit Risk Management. This challenge concerns the classification of clients (companies) in relation to the risk of their sector, which is out of line with reality. The solution was the creation of a classification tool called the Client Risk Classification Tool, which is a tool implemented in the bank's credit management system and developed during an internship. We therefore contextualise this with associated scientific articles, and by developing Credit Risk Management in general. We will then develop the process of a credit and the types of credit within the ING bank's system, and then explain the creation of the tool and its contribution to the bank and the associated literature.