Explore Crisil, a company of S&P Global

Formerly known as Global Research & Risk Solutions

Credit Assessments

 

 

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.

The evolving economic and regulatory landscape calls for robust and dynamic credit risk practices. With over two decades of partnering with global financial institutions (FIs), we can support you in strengthening your credit risk assessment framework (broadly encompassing spreading and memos) by leveraging our credit domain knowledge, global and multilingual talent pool of sector and regional specialists, and evolving automation and technological capabilities. We also offer credit risk advisory by helping clients develop, review and refine comprehensive credit risk policies, procedures and strategies.

 

 

 

 

Our solution components

 

 

 

  • Detailed financial spreading, including populating historical data, forecasting, key ratio analysis and peer comparison metrics
  • Comprehensive annual/ interim credit reviews comprising in depth analysis of the borrowers’ financial and business standing, and industry review and economic outlook.
  • Limit setting/ monitoring and renewal solutions comprising end-to-end support to help mitigate risks and safeguard credit-granting activities, including development and implementation of limit setting frameworks, procedures, thresholds, triggers and stress loss limits, along with ongoing monitoring of limits, triggers and concentration limits
  • Internal risk rating and scorecard development 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 OCC/SR 11-7 guidelines, and formulation of credit risk rating frameworks and processes
  • Tools/accelerators for credit risk assessment entails Crisil’s proprietary data extraction and automated financial spreading tools such as Data XMine and SMART. We also offer technology-enabled solutions, including the application of GenAI to automate credit reviews

 

The industry’s first subscription-based platform offers off-the-shelf credit risk assessment products to be used ‘as-is’ for periodic credit risk assessment

 

We offer customised credit risk advisory solutions by developing, refining, streamlining, benchmarking and standardising credit risk policies and processes

 

 

 

 

 

 

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