Director, Engagement Advisor
Helene advises on business requirements for Moody’s Analytics credit assessment and origination products. She started her banking career in her native New Zealand with the Australia and New Zealand Banking Group. Her roles spanned both the business banking and corporate divisions, including as relationship manager of large family-owned businesses. Since moving to London in 2012, she has worked as a credit partner for Santander Corporate Banking, and as part of the team launching the crowd-funding platform Money&Co.
Learn how leading organizations are leveraging technological advances and risk assessment to: streamline processes; build more efficient, consistent, and profitable small business lending practices; and, enhance the customer experience and provide more value to their constituents.
Assessing the credit risk of small and medium size enterprises (SMEs) is one of the most challenging tasks in banking. The difficulties stem from fragmented financial data, the strength of risk models, length of the process, and broader issues such as the tension between sales and credit. The competitive lending environment, regulatory requirements, different geographies, and positions in the economic and credit cycles also have an impact. This paper discusses how these challenges might be addressed from a Moody's Analytics perspective, which has been developed over time with our extensive experience in assessing credit risk.
In this article, we provide a summary of findings from our recent market research study on small business lending, which focused on the lending process and the challenges associated with banks’ credit risk assessments.