Corporate banker's role and credit risk management

This chapter examines the configuration of the corporate banker’s role and credit risk management as a result of the new customer approach and the new organization of bank branches and head offices. On the one hand, the analysis will consider the tasks of corporate bankers and those of their assistants, the extension and the diversification of their customer portfolios and their involvement in credit underwriting; on the other, it will observe the nature of credit analysis processes and the structure of rating systems which are being introduced, as well as the management of non-performing loans. The analysis will then tackle the issues of information synergies, the involvement of other operators, the corporate banker’s background and professional competencies as well as the resulting needs for information technology and training tools. The chapter will conclude by highlighting the critical aspects of configuring the corporate banker’s role and credit risk management processes which might determine the success/failure of the strategy of divisionalization by market segment.