Services
Business Banking Advisory · Edmonton & Alberta
Commercial Credit Risk Assessment
For: Business lenders, credit unions, and enterprises managing commercial lending portfolios in Alberta.
Without a clear picture of your credit exposure, you're making lending decisions in the dark — and the losses accumulate quietly until a bad quarter forces a reckoning.
With a Greenfield credit risk assessment, you get a ranked map of every risk point in your portfolio and a concrete plan to address each one before it costs you money.
How This Engagement Works
We collect your current lending data, borrower profiles, collateral records, and historical default patterns — typically in the first three business days.
We score every commercial account by probability of default, loss given default, and exposure at default using models calibrated to Alberta's economic cycles.
We identify concentration risks, underpriced credits, and collateral gaps that current risk frameworks missed.
You receive a lending portfolio analysis with risk-ranked accounts, recommended actions, and projected financial impact of each recommendation.
- Full lending portfolio analysis document
- Risk-ranked borrower profiles
- Concentration risk heatmap
- Recommended pricing adjustments
- 90-day action plan
Banking Operations Improvement
For: Regional banks, credit unions, and financial service providers with growing operational complexity.
Slow approvals, redundant processes, and manual workarounds cost more than most banking leaders realize — not just in dollars, but in staff frustration and client attrition.
A Greenfield operations engagement strips your workflows down to what matters, eliminates the waste, and rebuilds processes that move faster without sacrificing compliance or accuracy.
How This Engagement Works
We spend three to five days embedded with your operations team, watching how work actually moves (not how the org chart says it should).
We map every handoff, approval step, and manual intervention that adds time without adding value.
We propose streamlined workflows with clear ownership, reduced approval layers, and built-in compliance checkpoints.
You receive an operations audit report with current-state analysis, recommended changes, and a phased implementation timeline.
- Comprehensive operations audit report
- Process flow diagrams (current and proposed)
- Staff efficiency recommendations
- Compliance checkpoint integration
- 12-week implementation roadmap
Treasury Management Consulting
For: Mid-market Alberta businesses managing complex cash positions, investments, and banking relationships.
Poor treasury management means idle cash earning nothing, excessive borrowing costs, and banking relationships that take more than they give.
Greenfield's treasury consulting gives you a clear framework for where your money sits, how it moves, and what it should be earning at every stage.
How This Engagement Works
We map your current cash holdings, bank accounts, investment vehicles, and borrowing facilities across all banking relationships.
We calculate idle cash costs, identify suboptimal account structures, and benchmark your banking fees against Alberta market rates.
We build a treasury framework covering cash concentration, investment laddering, and banking relationship consolidation.
A treasury management report with optimized account structures, projected yield improvements, and a negotiation brief for your banking partners.
- Treasury management strategy document
- Cash flow forecasting framework
- Banking fee benchmarking analysis
- Investment policy recommendations
- Relationship management playbook
Cash Management Solutions
For: Businesses with high transaction volumes, complex receivables, or seasonal cash flow challenges across Alberta.
Slow collections, poor payment timing, and manual reconciliation drain working capital — the kind of drain that shows up in your credit line utilization before it shows up anywhere else.
Greenfield's cash management work tightens every stage of your cash cycle so money moves faster, sits idle less, and works harder from the day it enters your account.
How This Engagement Works
We trace every dollar from customer payment through collection, deposit, reconciliation, and disbursement — identifying where days get lost.
We identify specific points where processing float, mail float, and clearing float add unnecessary days to your cash cycle.
We design new collection workflows, payment timing rules, and reconciliation processes that compress the cycle.
A cash management optimization report with projected working capital improvements, process changes, and implementation guidance.
- Cash cycle analysis and optimization report
- Collection efficiency recommendations
- Payment timing strategy
- Reconciliation process redesign
- Working capital improvement projections
Better Banking Operations in 8 Weeks — Guaranteed
Every engagement starts with a conversation, not a contract.
Tell Us What You Need