Banks and Mortgage Banks Services


We serve our clients with risk-based reserving and capital requirement estimations according to BASEL II & III. We have a team of analyst and interns to perform data mining and modeling (PD, LGD, and EAD). Our services include modeling, model validation, and stress testing.



In addition we help our clients with portfolio risk management and various methods of risk transfer, including securitization, loan portfolio transfers, and credit enhancement tools.




  • Basel Modeling and Reserving

  • Credit Risk Modeling and Reserving

  • Predictive Modeling

  • Model Validations

  • Model Application Reviews

  • Portfolio Risk Analyses and Strategy

  • Transaction Analyses

  • CRM Data Mining

  • Mortgage Reinsurance Captives Analyses

  • Product Development

  • Reserve Adequacy Testing

© 2015 Enterprise Risk Management Advisors