Standard & Poor's Risk Solutions focuses on developing and enhancing internal credit rating systems and providing tools for credit portfolio analysis. Our solutions address all major components of an internal rating system, including tools and methodologies for the analysis of probability of default, loss given default, and exposure at default. These integrated credit risk management solutions leverage Standard & Poor's experience in credit assessment to help institutions manage credit risk, calculate economic and regulatory capital, and manage their balance sheets more effectively.
For institutions with credit risk exposures, sound credit assessment lies at the foundation of a range of business decisions including the granting of credit, pricing, and, especially for banks, loan provisioning and economic capital allocation. Risk Solutions develops credit assessment criteria, methodologies, and data to help institutions manage credit activities across industry sectors and lines of business with appropriate independence and oversight. We are committed to delivering the highest quality credit risk solutions and analytical services designed to support an institution's business needs, and address complex regulatory and economic capital requirements.
