Credit Assessment: Automating the process of financial spreading and credit scoring increases loan application volume and helps lenders make better credit decisions.
Credit Decisioning: Our commercial lending solutions are flexible and robust enough to support whatever loan structures, pricing, or conditions you require to reduce risk.
Credit Monitoring: Proactively monitoring the financial health of borrowers and the risk level of your loan portfolio increases the profitability of your lending business.
Current Expected Credit Loss Model (CECL): Moody’s Analytics provides tools for the most crucial aspects of the expected loss impairment model, with robust solutions to aggregate data, calculate expected credit losses, and derive and report provisions.
Portfolio Optimization: Quantify diversification benefits across portfolios and define risk types that inform risk management and active asset allocation decisions.
Valuation : Moody's Analytics insurance valuation solution support valuing liabilities of complex insurance products that contain options and guarantees.
Default & Recovery Risk: Risks following a default event where the defaulting entity's contracts cannot be honored.
Enterprise Risk: Business strategy to identify, assess, and prepare for any dangers to a firm's operations.
Risk Integration: Bringing together credit and market risk modeling to better understand asset and liability dynamics over time.
Systemic Risk: Possibility that a company-level event might cause instability or an industry collapse.