Lending and Credit Services

FITS Consulting provides specialized guidance across the full lifecycle of credit and lending functions, helping broker/dealers build scalable, compliant, and efficient programs. Our experts deliver practical support and strategic insights to enhance revenue, manage risk, and meet regulatory standards.

Margin and Securities-based Lending
  • Program design for retail and institutional clients
  • Margin policy development and daily operations support
  • Implementation of risk-based collateral management strategies
  • Margin call workflow optimization and automation integration

Underwriting and Credit Risk Policies
  • Draft and refine credit policy manuals and decision frameworks
  • Establish tiered approval processes and exception handling
  • Define exposure limits, client segmentation, and eligibility criteria
  • Conduct periodic reviews to reflect market or regulatory changes

Collateral Management
  • Define collateral eligibility, valuation methods, and haircuts
  • Integrate real-time collateral monitoring systems
  • Reengineer workflows for margin maintenance and deficiency tracking
  • Coordinate collateral reporting with funding and treasury teams

Loan Servicing Workflows
  • End-to-end process design for lending operations
  • Payment processing, rate calculations, and interest accruals
  • Exception processing for delinquencies, paydowns, and prepayments
  • Documentation workflows, notices, and reporting automation

Custom Credit Solutions That Balance Risk, Revenue, and Operational Precision.

Credit Program Design – Develops margin, fully paid lending (FPL), and structured credit workflows tailored to your client base.

Documentation Automation – Implements electronic document processes for approvals, disclosures, and renewals.

Collateral Efficiency – Optimizes use of client collateral through enhanced tracking and risk-based pricing models.

Exception Reporting – Builds real-time views of credit exceptions, margin violations, and concentration breaches.

Integrated Oversight – Aligns credit decisions with compliance, operations, and front-office awareness.

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