Risk Management is a process and not an event. For management to manage their organisations risks transparent operating procedures and process should be developed. The objective of the risk advisory process is to change your actual risk into your desired risk.

Identify - Quantify - Manage resulting in a 'no surprise' risk management process.

Enterprise Wide Risk Management ensures that defined and desired policies are implemented at base level and reported from base level through a consistent and accurate process to ensure management are able and are enabled to make informed decisions.

Priority areas we highlight: (but not limited to..)

• ABF financing - on\off balance sheet financing
• Broker discounting
• 3 year business plan- understand risk horizon
• Cash forecast liquidity management
• Banking relationship- are services economical
• Risk respect- is the organization priced according to risk factor or opportunity factor
• Policy review
• Independent observer on board committees
• ALCO Management
• Contingency Risk Management
• Hazard Risk evaluation