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For more than a century, the Moody’s name has been synonymous with credit rating. Built upon this foundation, our product portfolio, including two installed solutions, RiskOrigins and RiskAnalyst, and one cloud-based offering, Lending Cloud, helps you streamline your credit decision processes and address regulatory mandates.

Determining the creditworthiness of borrowers is a critical component of lending success. In today's highly competitive lending environment, accuracy is essential, and time is of the essence when assessing counterparty risk.

Yet the process of gathering and analyzing borrower information in order to assign a credit score or grade is still too often a manual, error-prone process that can take days - or even weeks. This time-consuming process is difficult for multi-million-dollar loans, but it can threaten lender margins on smaller loans.

Backed by the expertise of our economists and credit specialists, Moody’s Analytics solutions provide an effective means of performing financial spreading and risk grading. Our solutions streamline the credit assessment process and increase loan application processing volumes, while enhancing the accuracy of credit decisions. Regardless of loan size, these efficiency and accuracy gains translate into higher profitability for lenders.

Accurate risk grading improves decision making

Advanced analytical models and objective credit ratings can greatly enhance the quality of credit decisions by facilitating an accurate risk assessment of the borrower. Our solutions allow you to use either your own proprietary models or our award-winning credit scoring models that have been built on our unparalleled experience with credit evaluation. This will enhance the quality of your deals and enable a transparent view of their associated credit risks.

Consistent financial spreading saves time

Assembling and analyzing a borrower's financial information is a time-consuming process for most lenders, especially with new clients and privately held businesses. Our solutions capture and analyze financials in a consistent manner and generate reports in the formats banks need for fast, accurate, and reliable credit decisions.


Credit Assessment and Origination Services

Moody's Analytics credit assessment expertise and award-winning analytical tools facilitate faster and better informed credit decisioning.

Access exclusive forecasts and analyses of US consumer credit behavior based on data from Equifax.


The Moody’s Analytics CreditLens software helps financial institutions make better commercial lending decisions, with increased speed and efficiency.

Economic Forecast Scenarios: Standard

Moody's Analytics provides baseline economic forecasts and alternative scenarios for more than 50 countries, updated monthly.

Economic Data & Forecasts: Global

Leverage economic, demographic, and financial data, forecasts, and scenarios for the global economy.

Lending Cloud

Lending Cloud is a leading, cloud-based solution for managing all aspects of commercial, agricultural, and small business lending.

MARQ™ Portal and Score

The MARQ (Moody’s Analytics Risk Quality) portal and score streamline the lending process by improving the way lenders and their small business customers interact.


RiskAnalyst software is designed to improve the accuracy of your risk management by capturing financials in a consistent manner and producing dual risk ratings.


RiskOrigins software is a next-generation, credit decisioning, and monitoring platform that delivers improved risk management over the credit life cycle.

Take your career to the next level

Browse Moody’s Analytics Learning Solutions and Certifications.