Caroline Klausch is a Manager in the Practice Group Regional Banks OPEX at zeb. In this role, she is managing projects with a focus on process and credit management at cooperative banks.
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.
