Climate risk through the credit cycle
BII Module 1, Diagram 3
Source: British International Investment, Module 1, Diagram 3. Original roles, labels and module relationships retained.
CoastalFoods | Fictional teaching case

00:00:00 One client, shared responsibilities
Diagram three maps climate risk into the credit cycle. Follow fictional CoastalFoods through it, while specialist teams retain their different responsibilities.

00:00:11 Governance and strategy span the cycle
Senior management owns climate policy and governance, modules two to five. These provide the framework within which the CoastalFoods transaction is considered.

00:00:23 Screen first; collect the evidence
The risk department identifies risks and opportunities in modules six to nine. Sustainability supports climate data collection in modules ten and eleven.

00:00:35 Assessment connects to client action
Risk assesses materiality in module thirteen. Sustainability supports action in fourteen. Business lines lead client engagement through modules twelve and sixteen.

00:00:48 Monitor the client and the portfolio
After approval, sustainability monitors client performance through modules fifteen and seventeen to nineteen. Risk leads portfolio oversight through modules twenty to twenty-three.

00:01:01 Ownership stays visible
Internal audit audits processes across the map. CoastalFoods remains a teaching case: the map locates responsibilities and next work, but does not approve a loan.

Source: /bii-source-files/Diagram-3-Map-of-climate-risk-integration-into-typical-credit-approval-processes.pdf
Narration: local Windows speech (Microsoft Zira). Music: original locally synthesized piano accompaniment.