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Moody’s Analytics credit assessment and origination products cover all the steps involved in making faster, better informed credit decisions through a holistic and consistent assessment of risk. Our solution also enables lenders to underwrite more profitable transactions while increasing operational efficiency.

Making a decision to extend a credit facility is a complex process that is based on the accuracy of multiple interdependent elements. Profitable and efficient underwriting requires an ability to:

  • Define counterparty relationships and legal or credit hierarchy structures to view total exposure.
  • Conduct credit analyses with integrated, award-winning risk rating models in a single place.
  • Make internal risk appetite limits an explicit part of business strategy development and ensure that these permeate to the front lines to influence risk/return decision-making at the point of origination.
  • Structure a multi-layered facility structure built on an entity credit hierarchy to do risk aggregation for single entity as well as an entity group.
  • View risk-mitigant allocations across entity hierarchies.
  • Track key actions and deal documents to improve traceability and transparency.
  • Structure credit facilities

    The design of a house, its structure and features, directly impact a homeowner’s tenure and happiness in it. The same is true of commercial credit facilities. Our commercial lending solutions support building different facility structures, enabling entity risk aggregation for accurate determination of facility risk.

    Define entity relationships and hierarchies

    Correctly capturing and processing complex relationships, such as those resulting from cross-collateralization or cross-guarantees, is critical to understanding direct and indirect risks in origination and assigning them to their correct owner. Looking at the entire deal structuring process, identifying who owns the collateral and who is providing the guarantee is critical for effective risk mitigation.


    ABS System

    The ABS System provides issuers with a simplified infrastructure for new and growing programs.

    Auto Portfolio Analyzer

    APA is a powerful risk management, stress testing, and capital allocation tool for analyzing the credit risk of auto loan portfolios and auto ABS collateral.

    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.

    Moody’s CreditCycle™

    Moody's CreditCycle solution provides econometric consumer credit loss forecasting, benchmarking, and stress testing models.

    Mortgage Portfolio Analyzer

    This powerful risk management, stress testing, and capital allocation tool helps you analyze the credit risk of residential mortgage portfolios and RMBS collateral.


    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.