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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

    Moody's Analytics | Credit Assessment

    Credit Assessment

    Automating the process of financial spreading and credit scoring increases loan application volume and helps lenders make better credit decisions.

    Moody's Analytics | Credit Decisioning

    Credit Decisioning

    Our commercial lending solutions are flexible and robust enough to support whatever loan structures, pricing, or conditions you require to reduce risk.

    Moody's Analytics | Credit Monitoring

    Credit Monitoring

    Proactively monitoring the financial health of borrowers and the risk level of your loan portfolio increases the profitability of your lending business.