Credit Risk Management

PMA continues to apply the principals of its Prudent Man Analysis philosophy, which was developed by PMA's founder to detemine the credit quality of financial institutions from a public depositor’s perspective.

  • Credit Risk Management is a fundamental component of PMA's investment process
  • Deposits in excess of the FDIC insurance limits are collateralized as permitted under state statute and investment policy
  • PMA provides client reporting on collateral positions

PMA Credit Risk Services

PMA’s Credit Risk Management Team utilizes ratio and fundamental analysis for all investments on a quarterly basis and continuously monitors the regional and national economic environment. The team is responsible for analyzing the creditworthiness of client investments, as well as the surveillance of collateral positions.

The analysis is part of a four-step process called the Prudent Man Process. This process helps public funds investors avoid the risks of repayment, reinvestment and reputation that may be associated with a bank failure. The Prudent Man Process begins with analyzing a bank’s credit quality and continues with ongoing risk management throughout the life of a deposit.

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