Comprehensive loan origination and underwriting services for financial institutions (FI) enable enhanced pre-screening viability assessment and swifter decisions on client onboarding thus, improving overall risk management capabilities in the first line of defense.

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A leading provider of off-the-shelf and bespoke solutions for e2e credit risk assessment and advisory, to help financial institutions strengthen and optimize credit risk practices across the second line of defense.

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We leverage our strong pool of SMEs and product/sector specialists to ensure risks are accurately captured and evaluated pre-loan disbursement. Our services include in-depth macroeconomic and industry analysis, target screening research, pre-screening viability analysis of lending transactions, running rating simulations and preparing term sheets.

• Our services on spreading and modelling (historical updates and projections) cover a comprehensive analysis of key financial and business metrics, peer benchmarking, and trend analysis across diverse portfolios (spanning corporates, sovereigns, financial institutions, structured credits, and more). We also specialise in financial modelling (including capital structure, liquidity, scenarios, repayment, and pro-forma calculations) for niche sectors and complex transactions
• Additionally, our automated spreading accelerator, SMART, enhances model management. For more details on SMART, please click here

• We support FIs in internal risk rating scorecard development and maintenance, comprising sampling methodology development, independent credit analysis of identified samples, development of PD/LGD/EAD models (including scorecards) and CECL and regulatory capital models, validation of credit risk models against industry best practices, documentation based on regulatory guidelines, and formulation of credit risk rating frameworks and processes. For more details, please click here
• We help clients carry out their internal credit rating process, leveraging their own approved scorecards/models
• We also offer a technology platform for hosting third-party credit rating scorecards/models. For more details, please click here

• For the first line of defense, we offer well-crafted underwriting credit memos (for new transactions as well as amendments)/proposals aligned with FIs’ underwriting standards, internal risk appetite and credit policies, enabling swifter approvals from risk and timely deal closures
• Additionally, we play a pivotal role in strengthening the second line of defense at global banks by providing support in periodic credit risk reviews, involving in-depth analysis of the financial and business standing of borrowers, along with industry review and economic outlook
  
  • Clients can avail our industry utility, SPARC (Shared Platform for Assessment of Risk of Counterparties), to access our repository of off-the-shelf structured and standardised credit risk reviews (covering more than 1,000 public filers). These largely reflect banks’ low/ medium-risk portfolio and can be used ‘as-is’ for periodic credit risk assessment
    
  • We provide bespoke solutions for private entities and high-risk portfolios, enabling customised credit risk reviews, as per clients’ requirements
• We also have a GenAI-powered solution for drafting credit risk assessment reports. For more details, click here