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.

Cayetano Gea-Carrasco
Offers wide-ranging expertise on capital markets, AI analytics, and software management.
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