Michael Mönnich is a Senior Manager in zeb’s Regional Banks OPEX Practice Group. He is managing projects with a focus on the lending operations of regional banks with emphasis on audit-proof lending processes, regulatory issues and support in the area of special audits.
How can lending standards be used as a strategic lever in credit portfolio management?
01/10/2026
Banks are operating in an economic environment that is characterized by uncertainty, structural change and increasing default risks. The article shows why lending standards represent a key management instrument for executives, how they are embedded in the regulatory framework and which factors determine their actual effectiveness.
