Meaningful credit risk solutions allow community banks to manage credit risk more accurately across a wide range of asset classes – including commercial and industrial (C&I); commercial real estate (CRE); small and medium-sized enterprises (SME); and personal financial analysis. Moody’s Analytics solutions target a number of common credit challenges for community banks that seek to enhance business performance and, in some cases, address regulatory compliance returns.
Use customized scorecards validated by the world’s most comprehensive credit default database. Facilitate financial spreading, credit analysis, data storage, and limits management on our enterprise platform with automated workflows. Ensure your staff has the skills and knowledge to make good corporate lending decisions. Our solutions help you analyze and report on your corporate loan portfolio and understand the impact of new deals on risk and performance.
Quantify the impact economic conditions can have on retail credit performance in the context of your own lending standards and business practices. Effectively capture changes in performance by analyzing the underlying quality at origination, seasoning of the accounts and changes in the economic and credit cycles.
Evaluate the past and future performance of companies and compare credits to their peers by utilizing financial data that has been adjusted by Moody’s analysts for comparability across regions and industries. Assess investments using Moody’s expert research. Leverage our award-winning portfolio management platforms and correlation analytics to identify dependencies between asset classes.
Analyze your exposure to interest rate, liquidity, foreign exchange and inflation risk by leveraging indicators such as gap analysis and net economic value sensitivity. Test the impact of stressors on your liquidity position and calculate the efficient allocation of economic capital and resources. Our robust data allows you to benchmark your collections activities and workout management, which includes 13 million financial statements on 2.5 million firms and 200,000 private company defaults.
Meet and exceed Basel Committee requirements with our integrated regulatory and capital management systems and supporting services – already in use by more than 40 banking supervisory bodies. Our solutions address credit, market, and operational risk, generate all required regulatory reports out-of-the-box, and allow you to quickly and accurately benchmark portfolio-level risk and return.