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Used by leading financial institutions around the world, the RiskOrigins software is a next-generation, credit decisioning and monitoring platform that delivers improved risk management over the credit life cycle. The software offers a robust framework for regulatory compliance while helping banks retain their competitive edge through improved efficiencies and time-to-cash for customers.

Integrate your credit decisioning and risk management

  • Leverage financial analyses with the option to use your own rating models or Moody’s Analytics award-winning models.
  • Work in a flexible workflow environment that integrates deal structuring from initiation to approval.
  • Maintain a single repository with consistent, auditable, and transparent capture of credit and risk-related data.
  • Structure simple or multi-layered facilities that support your risk mitigants and covenants framework.
  • Develop an efficient and traceable framework at the entity and portfolio levels for risk appetite and limits management.
  • Ensure loan write-ups and documentation are available in a variety of formats.

Originate credit your way

  • Get a single, consolidated view of risk from deal to portfolio level across complex borrower relationships and deal structures.
  • Perform advanced credit risk assessment with "what-if” ratings, modeling the impact of stressed scenarios.
  • Streamline and standardize your credit underwriting process to provide more consistent and more profitable outcomes.
  • Assess, monitor, and manage the impact of new and existing deals on risk appetite limits at the single-entity and portfolio levels.
  • Automate tracking of financial covenants against historical spreads with breach alerts to notify you of violations.
  • Enjoy full auditability of deal approval, conditions precedent, and covenant adherence, ensuring you are compliance ready.
  • Collaborate using a flexible workflow framework to become more productive across your team.

Product Brochure


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.