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September 2018

Moody’s Analytics recently released the RiskCalc™ Small Business solution as part of our ongoing efforts to help lenders better understand and serve their small business clients.

The new solution enables lenders and credit analysts to improve the credit risk assessment of their small business portfolio by combining different types of data to produce a credit score.

Our small business credit experts discuss:

  • Popular use cases for small business credit scores
  • Selection of attributes for effective small business credit scores
  • Creation of a scoring framework for consistent small business credit scores
Related Insights

Moody's Analytics Webinar: Improve Your Lending with Scores from RiskCalc™ Small Business

Moody’s Analytics recently released the RiskCalc™ Small Business solution as part of our ongoing efforts to help lenders better understand and serve their small business clients.

September 20, 2018 WebPage Dinesh Bacham, Lucia Yang
Presentation

Improve Your Lending with Scores from RiskCalc™ Small Business

Improve Your Lending with Scores from RiskCalc™ Small Business

September 2018 Pdf Dinesh Bacham, Lucia Yang
Whitepaper

Combining Financial and Behavioral Information to Predict Defaults for Small and Medium-Sized Enterprises – A Dynamic Weighting Approach

One large challenge lenders currently face is how to combine different types of information into metrics that can support good business decisions. Currently, the banking industry uses two primary types of information — financial information and behavioral information — independently, to assess risk. Financial information includes Income Statement, Balance Sheet, Cash Flow, and Financial Ratios. Behavioral information includes spending and payment patterns, among others. Both types of information provide unique insights, but, to date, they have not been combined to generate one comprehensive risk metric for commercial use.

September 2017 Pdf Alessio Balduini, Dr. Douglas DwyerDr. Janet Zhao, Sara Gianfreda, Reeta Hemminki, Lucia Yang
Article

Machine Learning: Challenges, Lessons, and Opportunities in Credit Risk Modeling

In this article, we analyze the performance of several machine learning methods in assessing credit risk of small and medium-sized borrowers.

July 2017 WebPage Dinesh BachamDr. Janet Zhao
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