Comprehensive integrated credit risk management in a user-controlled platform.
Overview
Making the right credit decisions in a rigorous and consistent manner is critical to a financial institution’s overall profitability, particularly in a world of shrinking interest margins, changing regulatory standards and modest growth in loan volumes. Financial institutions require a credit risk underwriting system that captures both qualitative and quantitative credit risk factors in a highly auditable and controlled environment. Integration into a bank’s operating processes and credit culture must occur with a minimum of disruption. It is with these criteria firmly in mind that Credit Risk Evaluator™ was created.
Why you should use this new analytical platform:
To foster uniform, transparent, and auditable credit standards;
To identify your riskiest credits;
To improve underwriting efficiency;
To anticipate the effect of changing market conditions on credits; and
To respond to evolving regulatory demands.
With Standard & Poor’s Credit Risk Evaluator™ (CRE), your organization will have the platform for an efficient, auditable credit risk management process that results in improved decision making and control. CRE’s features offer a broad range of analytical capabilities and user control.
Credit Risk Evaluator puts you in control of your credit assessment process. While the platform can be delivered pre-configured with Standard & Poor’s credit definitions and analytics to speed implementation, it can also be easily configured and updated to reflect the current credit risk standards and processes of your institution. By leveraging the credit expertise of Standard & Poor’s, you have the benefits of lower risk, and a lower-cost, third-party solution compared to custom development, without compromising your own standards and processes.
Benefits
The platform enables your institution to:
Estimate and stress test credit risk measures and rating estimates by whatever method you require—scorecards and/or models;
Spread financial data and calculate key financial ratios for use in credit analysis according to rules supplied by Standard & Poor’s or customized for your institution;
Incorporate key qualitative management factors of credit analysis into institutional probability of default models and expert judgment scorecards;
Support both microeconomic and macroeconomic forecasting of key credit factors;
Perform both Quick and Advanced searches to identify an obligor or a group of obligors with specific risk characteristics;
Create and analyze Portfolios or Peer groups of obligors; and
Set and manage user entitlements and create a transparent audit trail to maintain the integrity of internal processes and facilitate regulatory compliance.
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