Date of Conferral
2021
Degree
Doctor of Business Administration (D.B.A.)
School
Management
Advisor
Roger Mayer
Abstract
Despite regulatory requirements and technological advancements, bank managers face inherent risk in their retail loan portfolios. Bank managers who do not address and mitigate inherent risk in their retail loan portfolios are at a disadvantage to better know their customers, use technology, and enhance credit analytics. Grounded in the enterprise risk management framework, the purpose of this qualitative multiple case study was to explore strategies bank managers used to mitigate the level of inherent risk in their retail loan portfolios. Data were collected from semistructured interviews and document reviews. Participants comprised eight bank managers at four companies who implemented successful strategies managing their retail loan portfolios' risk. Using Yin’s five-step data analysis process, four themes emerged: know your customer, business knowledge and effective leadership, enhance credit analytics, and technology use. A key recommendation for bank managers is to use holistic risk assessment strategies to manage inherent risk. The implications for positive social change include increased sponsorships for local events with the potential increase of donations to local schools and outreach organizations supporting local community residents.
Recommended Citation
Edimo, Henrich Y., "Strategies to Mitigate the Level of Inherent Risk in Retail Loan Portfolios" (2021). Walden Dissertations and Doctoral Studies. 10227.
https://scholarworks.waldenu.edu/dissertations/10227
