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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 and forecasts 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.

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