our expertise

Our team possesses an extensive in-depth knowledge attained from decades of experience with various international financial institutions. From credit policies to identifying manipulations, we have a suite of wholesale credit risk programs to suit your needs spanning from the very fundamental level to more advanced needs.

In essence, our credit risk programs cover:

- Macro external analysis;

- Industry analysis;

- Company management assessment;

- Financial analysis on ratios and cashflow;

- Repayment ability and projections;

- Other related topics like risk and return consideration.

We are also here to develop credit courses and construct case studies for your corporate banking team. This includes identifying early warning signals and providing guidance on protective monitoring. Working with your risk department, we can also focus on the key challenges under the current local environment.

Trade finance is an area where very technical and clear understanding of the transaction flow is essential. Here, at DECH HK Ltd, we offer trainings that will enable your team to understand and solidify their trade knowledge (from international payment methods to more sophisticated trade products) and we also share practical examples on how suspicious trade transactions are abused. From a banking perspective, we also illustrate how Import and Export facilities can be structured to match the client needs.

Expanding into the operations area, we also offer bills checking and technical trade verification. This is also an area where in-depth discussion on bills clauses is conducted.