As part of our Rating Scale Services offerings, we will review credit methodologies, rating outcomes, rating definitions, and an organization's rating to identify gaps in the organization's processes and procedures.
The benefits to your organization:
Identify critical elements of the your institution's methodologies, processes, and procedures that differ from those provided by Standard & Poor’s methodologies or industry practices;
Review of your institution’s current position, including data, processes and procedures, controls, and quantitative systems, to help identify gaps in your organization's processes and procedures; and
Provide recommendations regarding areas for improvement in terms of your methodology, system development, control processes, and data-related procedures.
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Rating Scale Services |
Risk Rating Scale Development
Enhance your credit risk analysis for loan origination, surveillance, and securitization.
Risk Rating Mapping
Evaluate the effectiveness of your internal rating systems and benchmark your rating outcomes against Standard & Poor's, your own internal, or a third party's rating scale.
Risk Rating Refinement
Uses mapping to help you identify the strengths and weaknesses of a risk rating system, and ensure that your institution's risk rating systems are accurate and represent industry best practices.
Quantitative Credit Models
Commercially available quantitative models for estimating ratings, probability of default, and loss given default.
Credit Risk Data
A comprehensive set of robust and consistent credit loss information; data consortia and management tools.
Ratings System Validation
A review of the overall performance of your internal risk rating systems to ensure accuracy and consistency.
Validation Gap Analysis
A review of your credit assessment methodologies and risk monitoring practices, collateral, and liquidity considerations; identify the critical elements of your institution's methodologies, processes, and procedures.
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