When your organization requires refinements to the existing ratings, Standard & Poor’s Risk Solutions can offer you expertise in the development of a risk rating scale that reflects the total range of default risk or LGD in your portfolios. We can design a risk rating scale that optimizes the number of grades within the portfolio to ensure that the default risk is differentiated, and is appropriate to your organization’s business.
The benefits to your organization:
Enhanced credit risk analysis for loan origination, surveillance, and securitization;
Improved credit methodologies, which can lead to improved profitability; and
Third-party evaluation of your institution's credit methodologies, which can improve transparency for management, board of directors, regulators, and shareholders.
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Rating Scale Services |
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.
Risk Rating Gap Analysis
Review credit methodologies, rating outcomes, rating definitions, and an organization's rating to identify “gaps” in the organizations processes and procedures.
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.
Credit Risk EvaluatorTM
An integrated, customizable credit risk management platform that allows your institution to measure, monitor, and manage risk systematically, both for individual credits and entire portfolios.
Ratings System Validation
A review of the overall performance of your internal risk rating systems to ensure accuracy and consistency.
Assessments Of Credit
Provides confidential credit scores on unrated obligors using Standard & Poor's Credit Assessment Templates.
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