Credit Decisioning
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:
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.
Featured Experts
Avinash Arun
Creates credit assessment and origination strategies and supports commercial loan origination and risk management objectives.
Annie Choi
Develops analytic and empirical models, and trains and advises clients worldwide on enterprise risk management, asset and liability management, and stress testing.
Blake Coules
Across 35 years in banking, Blake has gained deep insights into the inner working of this sector. Over the last two decades, Blake has been an Operating Committee member, leading teams and executing strategies in Credit and Enterprise Risk as well as Line of Business. His focus over this time has been primarily Commercial/Corporate with particular emphasis on CRE. Blake has spent most of his career with large and mid-size banks. Blake joined Moody’s Analytics in 2021 after leading the transformation of the credit approval and reporting process at a $25 billion bank.
Related Products
Consumer Credit Forecasts - CreditForecast.com
Access exclusive forecasts and analyses of US consumer credit behavior based on data from Equifax.
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.
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.
Credit Assessment and Origination Services
Moody's Analytics credit assessment expertise and award-winning analytical tools facilitate faster and better informed credit decisioning.
CreditLens™
The Moody’s Analytics CreditLens platform helps financial institutions make better commercial lending decisions, with increased speed and efficiency.
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.
