As an internationally recognized authority on strategic and financial planning, asset/liability management and funds management, SCI professionals have assisted numerous financial institutions throughout North and South America and Europe in the design and implementation of automated financial and funds management systems to meet competitive as well as regulatory requirements. Our financial consulting staff draws on substantial financial planning experience with national and international financial institutions ranging in size from $50 million to over $100 billion in assets.
A brief overview of SCI's financial consulting capabilities follows:
SCI provides asset/liability management, funds management, ALM modeling, and strategic and merger planning to a wide cross section of the international financial institutions industry. Monitoring, measuring and managing interest rate risk is an increasingly complicated endeavor requiring skill, experience and extensive industry knowledge. SCI financial consultants can provide unique and invaluable skills in addressing the complexity of asset/liability management in today's complicated regulatory environment.
ü Interest Rate Risk Model Validation - In evaluating an institution's interest rate risk modeling functions, SCI professionals will consider several factors including data sourcing and integrity, the incorporation of the interest rate risk modeling process within the institution's automated application systems and the accuracy and effectiveness of modeling techniques employed. The effectiveness of the modeling methodologies along with the validation of underlying assumptions and related documentation are also included as part of our Interest Rate Risk Modeling review.
ü Interest Rate & Hedging Strategy Review - Quality of investment securities; concentration limits; credit quality guidelines; reporting guidelines and reporting frequency are assessment categories included in our Interest Rate & Hedging Strategy Review process. Moreover, quality of hedging instruments, hedge limits by type and reporting guidelines are also included in our review process.
ü Risk Management & Modeling - Reviewing risk management and investment policies is part of our Risk Management & Modeling service. During this assessment, SCI financial consultants examine your modeling process while providing leading enterprise-wide financial risk management solutions. Our Risk Management & Modeling service includes an assessment of transfer pricing and performance measurements as well as the details associated with your integrated planning and budgeting process. Further, our assessments include a review of your integrated planning and budgeting guidelines for investments, liquidity, funds management, interest rate risk and capital effectiveness.
ü Strategic Planning - Documentation and/or enhancement of strategic objectives, mission statements, internal and external assessments, both environmental and regulatory, are the initial steps in the development of a comprehensive strategic plan. An identification and assessment of strategic limitations, opportunities and competitive advantages are combined with a rigorous fact finding effort to bring together detailed financial goals and prioritized action items along with assigned responsibilities and completion deadlines which yield a detailed strategic and financial plan.
ü ALCO Effectiveness - As the decision-making body of a financial institution's asset/liability management process, the Asset/Liability Committee (ALCO) must have access to appropriate knowledge and underlying data throughout the ALM decision making process. Specifically, the ALCO is charged with the responsibility to develop lending guidelines, funding strategies and investment strategies that are consistent with an institution's balance sheet risk/return profile, governing policy statements, and overall strategic direction. SCI's ALM effectiveness review will examine the key aspects of your ALCO including the composition of the committee, the committee's past performance and pending action items as well as the overall decision-making and strategic processes.
ü ALM Policy Review & Assessment - ALCO composition, responsibilities, and duties along with asset/liability strategies; authority and approval limits; interest rate risk measures and guidelines; liquidity measurement and guidelines; profitability targets; reporting guidelines and reporting frequency are but a few of the assessments undertaken by SCI professionals as part of our ALM Policy Review and Assessment process.
ü Automated Systems Requirements & Software Selection - SCI professionals are highly skilled in the development of systems requirements and selection of automated financial applications and software. SCI owns no proprietary software and receives no commissions or royalties from software vendors, thus allowing us the independence, credibility and objectivity to assist your institution in the selection of optimal ALM and financial software.
ü Merger & Acquisition Support - SCI professionals help major financial institutions worldwide optimize their earnings and market value while helping them maximize their ongoing profitability within the risk limits set by management. Our Firm is best known for objective and independent financial analysis, operational and automation integration, staff optimization and operational improvement.