OUR SERVICES

Risk Yönetimi Hizmetleri

As business conditions evolve, effective risk management and internal controls are essential. Sound governance, risk management and control frameworks help organisations make better decisions, improve operational performance and anticipate uncertainty. Loba

Partners provides the following risk management advisory services:

Enterprise Risk Management (ERM) Advisory; Financial
Risk Management Advisory; Credit

ENTERPRISE RISK MANAGEMENT (ERM) ADVISORY

Enterprise Risk Management (ERM) is a structured approach to identifying, classifying, analysing, managing and monitoring the risks that may affect an organisation's ability to achieve its strategic objectives.

Development of an enterprise risk
inventory; definition and classification of risk categories; risk assessment, prioritisation and selection of responses aligned with risk appetite; and
design of Key Risk Indicators (KRIs).

Design and implementation of continuous monitoring and continuous

auditing systems; establishment of risk reporting and escalation channels; development of the enabling technology; ongoing monitoring activities; and
Monte Carlo simulation analysis.

Development of risk management policies and procedures; formation
of a risk committee and preparation of
its charter; assessment of enterprise risk management maturity and improvement opportunities;
and preparation of integrated ERM reporting.

Kredi risk

FINANCIAL RISK MANAGEMENT ADVISORY

A. CREDIT RISK MANAGEMENT

Credit risk management helps banks, insurers, financial institutions and larger businesses assess credit exposures, safeguard cash flows and support informed lending decisions. Our services include:

Credit Assessment & Approval

Review of credit applications, including financial position, credit history, income and other relevant
information; development of credit scoring models and algorithms based on payment history, debt service capacity and
financial indicators; and determination of appropriate credit limits.

Credit Risk Monitoring & Analysis

Ongoing monitoring of loan repayment performance; real-time analysis of delays and defaults using proactive analytical models; evaluation
of credit risk mitigation techniques including collateral, insurance and hedging;
and portfolio stress testing and scenario analysis to assess resilience under changing economic conditions.

Credit Risk Reporting

Credit portfolio reporting includes exposure analysis by geography, industry and customer profile, portfolio size
and risk segmentation. We also analyse repayment performance
and other relevant credit quality indicators.

Nakit risk

B. CASH MANAGEMENT RISK

Cash management risk advisory helps organisations manage cash flows effectively. Services include cash flow forecasting, receivables management, trend and scenario analysis, projections and determination of suitable liquidity reserves. Our work focuses on three principal risk categories:

Liquidity Risk. Analysis of short-term payment capacity, liquidity ratios and cash reserves, including minimum and strategic cash levels.
Operational Risk. Identification of risks arising from weaknesses in cash processes, inaccurate forecasts and insufficient controls.
Funding Risk. Assessment of the ability to access finance, including credit facilities and weaknesses in credit planning and financial analysis.

Piyasa Risk

C. MARKET RISK MANAGEMENT

Market risk management involves identifying, measuring, monitoring and managing exposure to movements in financial markets. Our advisory services include:

Interest Rate Risk. Assessment of sensitivity to interest rate movements and relevant instruments, including swaps, futures and options. Foreign Exchange Risk. Analysis of exchange rate
exposure arising from cross-border activities, including forwards, FX options and cross-currency swaps. Equity Price Risk. Assessment of exposure to movements in share prices. Other Financial Market
Risks. Review
of additional relevant
market exposures.

Why Loba Partners?

Our professionals bring extensive tax audit experience from public institutions, the private sector and international organisations, combining sworn financial advisory expertise with internationally certified internal audit capabilities.For us, advisory is not an ancillary activity; it is at the heart of what we do.