Risk Management through Commercial Lending Platforms: A Case Study Approach
Author(s): Hemalatha Murugesan
Publication #: 2605012
Date of Publication: 10.04.2026
Country: United States
Pages: 1-5
Published In: Volume 12 Issue 2 April-2026
DOI: https://doi.org/10.62970/IJIRCT.v12.i2.2605012
Abstract
Commercial lending constitutes a major revenue stream for banks while simultaneously exposing institutions to substantial credit, operational, compliance, and concentration risks. Traditional manual underwriting and fragmented approval processes limit risk visibility and consistency. Commercial Lending Platforms (CLPs) have emerged as integrated digital ecosystems that combine loan origination, credit analytics, workflow governance, covenant monitoring, and regulatory reporting into a unified infrastructure. This study adopts an embedded case study approach to evaluate how CLPs enhance enterprise risk management effectiveness across the lending lifecycle. Using comparative pre- and post-implementation data from a mid-sized commercial bank, the findings demonstrate measurable reductions in non-performing assets, policy exceptions, operational errors, and turnaround time. A layered risk-technology architecture and structural risk-performance model are proposed. The results position commercial lending platforms as strategic digital enablers of credit risk mitigation, regulatory compliance, and capital optimization.
Keywords: Commercial Lending Platform, Credit Risk Management, Basel III, IFRS 9, Loan Origination System, Enterprise Risk Management, Digital Banking.
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