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ACTICO Risk Rating Solutions
Flexible risk rating solutions for every banking environment
ACTICO provides risk rating solutions designed to meet the needs of banks across different lending environments. Whether you are looking for expert judgment-based dual risk rating scorecards, need integration with your loan origination system, already have your own scorecards and need a technology platform, or require a more tailored solution, ACTICO can help.
One risk rating approach does not fit every bank
Banks have different risk rating methodologies, technology environments and lending requirements. While many rely on internally developed single rating systems to assess a borrower’s ability and willingness to repay a loan, others need greater granularity, integration or flexibility.
ACTICO Risk Rating Solutions give banks the choice to adopt proven scorecards, integrate risk rating into existing lending workflows, or use their own scorecards on a dedicated technology platform.
ACTICO Dual Risk Rating
Go beyond a single borrower rating
Many banks use internally developed single rating systems to assess a borrower’s ability and willingness to repay a loan. While these systems provide a basic approach to credit risk assessment, developing and maintaining a more advanced dual risk rating methodology can require significant resources.
ACTICO Dual Risk Rating provides an accessible alternative. The solution enables banks to evaluate both the borrower and the loan, providing greater granularity for classifying and managing credit risk.
The solution combines established credit risk expertise with flexible technology, giving financial institutions options for how they deploy and integrate their scorecards.
Why use dual risk rating?
- Increase consistency, transparency and objectivity in the credit rating process.
- Strengthen risk evaluation with a more defensible approach as regulatory scrutiny increases.
- Enhance portfolio management by quantifying credit loss.
- Improve risk and return calculations.
- Support additional options for CECL.
Proven scorecards for commercial credit risk
ACTICO Dual Risk Rating includes expert judgment-based scorecards covering key commercial lending segments. The scorecards are based on extensive banking expertise and can be adopted as provided or adapted to reflect your own risk assessment practices.
Our scorecards include:
- CRE – Income Producing
- CRE – Construction
- C&I – Commercial & Industrial
- ABL – Asset-Based Lending
- Nonprofit
- Small Business
- High-Net-Worth Individual
- Public Debt Rated
- General
- Facility / LGD
ACTICO also has the banking expertise to develop custom scorecards for specialized lending segments, including Healthcare, Oil & Gas and Agriculture.
A risk rating solution built around your needs
Whether you need a proven dual risk rating methodology, integration with your existing lending technology, or a platform for your own scorecards, ACTICO provides the flexibility to build the approach that works for your bank.
Recognized throughout the industry.
ACTICO has consistently been recognized by customers and analysts as a leading provider of solutions for Compliance, Asset Administration, and Credit Risk Management, as well as Advanced Decision Automation Technology.
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Explore ACTICO Risk Rating Solutions
Talk to our experts about your risk rating requirements and find the right solution for your lending environment.