Processes
Manage credit risk
How manage credit risk are reshaped as AGI capability advances.
ProcessesManage credit risk
Business-as-Code
Read as an executable program — the work decomposed into Code, Generative, Agentic, and Human.
Manage credit risk sits inside a larger value-flow — 1 parent structure it composes into. The hierarchy is grounding, not the story: it tells you which aggregate exposure Manage credit risk inherits.
Where Manage credit risk sits
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How the work flows
Trigger: A request for new credit is received or a scheduled review of the existing credit portfolio is initiated.
- Establish credit risk policies and limits
- Evaluate borrower financial health and creditworthiness
- Assign risk ratings and expected loss figures
- Set collateral requirements and mitigation terms
- Monitor aggregate portfolio exposures
- Report risk levels to management
Outcome: Credit exposures are quantified, approved within risk tolerances, and actively monitored to minimize unexpected losses.
Measured by
Expected Credit LossNon-Performing Loan RatioPortfolio Value At RiskTime To Credit Decision