A lender's work does not end with loan disbursement; in fact, that is just the start of a relationship that can grow over years or even decades. However, you must keep a watchful eye to ensure that changes in borrowers’ finances or circumstances do not put repayment in jeopardy, or that unintended exposures breach your risk appetite limits. Moody’s Analytics can help.
Until recently, monitoring a borrower's creditworthiness was an annual exercise that involved a review of historic financial statements and relied upon the good faith of the borrower in providing accurate information.
Today's fast-moving world no longer accommodates a leisurely pace or trusting spirit. A borrower's financial condition or business prospects can change rapidly and often without warning. To reduce default risk, credit must be monitored proactively, objectively, and continuously, taking into account various counterparty, consumer, industry, macro, and regional economic data; trends; and forecasts.
Fortunately, analyzing and monitoring vast amounts of information is a task that our solutions and analysts do extremely well. Moody’s Analytics credit monitoring solutions can track a virtually infinite number of data points and their effects upon one another and alert you to signs of trouble in time to take corrective action. Our solutions are backed by economists and credit and data specialists who have extensive experience in understanding the economic and credit trends that may impact your lending business and investments. Our proactive monitoring and analytical expertise is built into our credit assessment solutions.
Proactively track borrower credit quality
In today's fast-changing global economy with complex interactions and unforeseen consequences, it is essential to monitor borrowers' financial conditions on a regular basis. Our solutions allow you to track finances, covenant compliance, and economic trends as often and in as much depth as you require in order to protect your capital.
Keep risk within set limits automatically
Different institutions can have very different attitudes toward and appetites for risk. The trick is to maximize returns by taking on just enough risk – without crossing the line and assuming more risk than you want. Our solutions monitor your portfolio by entity, sector, and bank policy and alert you if a deal you are considering would push you over your limit.
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.
The Moody’s Analytics Pulse platform helps credit departments protect their accounts receivable (AR) portfolios from unpredictable businesses by delivering timely insights about their customers and suppliers.
Access exclusive forecasts and analyses of US consumer credit behavior based on data from Equifax.
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 solution provides econometric consumer credit loss forecasting, benchmarking, and stress testing models.
This powerful risk management, stress testing, and capital allocation tool helps you analyze the credit risk of residential mortgage portfolios and RMBS collateral.
Moody's Analytics credit assessment expertise and award-winning analytical tools facilitate faster and better informed credit decisioning.
The CreditEdge tool is the premier model for managing the credit risk of your portfolio of listed firms and sovereigns, globally.
Lending Cloud is a leading, cloud-based solution for managing all aspects of commercial, agricultural, and small business lending.