creditboard
Creditboard Advisory
Who We Are

A practice run by people who have led credit review functions, owned rating conclusions, and defended them to examiners.

How It Works

Creditboard Advisory is delivered by The Credit Board team — the manifesto’s founding signatories and the senior practitioners of its community. There is no sales motion behind it. You bring the state of your review function; we bring people who have sat in your seat. The engagement starts as a peer conversation and stays one.

The Practice

Three Engagements

I.
Coverage & AI-Readiness Assessment.An independent review of your current loan review methodology, sampling approach, and AI governance posture — where your coverage actually stands, where drift is likely, and what an examiner will ask about it. Delivered as a findings memo your governance committee can act on.
II.
Argus Calibration & Policy Encoding.Translating your credit policy, rating definitions, and risk appetite into the agent’s operating rules — your breakpoints, your covenant standards, your escalation thresholds. Delivered as a working-session series with your review team, not a setup wizard. Your policy is the rulebook; this is where it gets written in.
III.
Methodology Retainer.The ongoing relationship: annual methodology refresh, exam preparation support, and threshold recalibration as your risk appetite evolves. Continuous review needs continuous calibration — the retainer is how the numbers stay yours.
The Team, Collectively

We present the practice as a team, deliberately. The people on your engagement have led credit review at regulated institutions, written the narratives, taken the exam findings, and stood behind their conclusions the next morning. The work is signed by the practice.

Start Here

Start a conversation with the team.

Two or three sentences on your book, your team, and what is keeping coverage hard. A practitioner replies — not a sequence.

advisory@creditboard.org →
Context

Read before you write.

The vendor-neutral Standard sets out the coverage architecture we calibrate to; the page for heads of credit review says the quiet part about sampling out loud.

The Standard →

The product behind engagement II: Argus, by Creditboard · Written for your seat: for heads of credit review