Centralized platform for financial statement–based credit risk assessment

About the project

• Multilateral lender migrates to Credit Risk Management Platform to implement bank-internal rating models and analyze financial statements.
• Centralized bank-wide system for Financial Spreading and Credit Risk Rating
• Financial statement capturing, import, spreading, projections, and reporting on one platform.
• Integration of the bank’s existing spreading templates for corporates, banks, and public authorities
• Implementation of a large number of bank-internal rating / scoring methodologies (consistent with IRBA requirements) for credit and climate risk

Solution

Commercial credit risk analysis and management on a secure, cloud-based platform:

Credit Risk Management Platform

Impact

• IT Cost Saving – through one centralized platform approach for different portfolios
• Shorter Time-to-Market due to the internal configuration of risk models and decision strategies by the risk team
• Future-proof solution due to extensive configurability and complexity of rules (e.g., to integrated climate risk/ ESG ratings)