Whose Job Is Credit Risk?
Whose Job Is Credit Risk?
14 PagesThis white paper examines credit risk as a shared responsibility across a financial institution rather than a function limited to credit teams. Using a real‑world example, it shows how frontline employees, such as bank tellers, can provide early warning signals by noticing unusual customer behavior, even before a default occurs. When these observations are communicated effectively to management and credit officers, they can prompt timely investigation and risk mitigation. The paper emphasizes that strong credit risk management depends on organization‑wide awareness, communication, and governance to protect institutional financial safety.
