Credit Portfolio Management

Credit Portfolio Management involves assessing and managing the risks and returns of a collection of loans or credit investments held by a financial institution, such as a bank. The goal is to optimize the portfolio by balancing the potential for profit against the risk of borrowers defaulting. This includes analyzing the creditworthiness of borrowers, diversifying investments across different sectors, and adjusting strategies based on changing market conditions to ensure the portfolio is healthy and aligned with the institution's financial goals. Essentially, it's about making informed decisions to safeguard and grow the institution's credit assets.