The Credit Risk Management Platform is a robust and scalable software solution for credit risk management. The platform is used by banks, financial service providers, and corporations for assessing and managing credit risks. Core features of the platform include capturing and spreading financial statements as well as a flexible framework for the implementation of internal rating and scoring models. Based on an in-depth risk assessment, the platform enables the implementation of complex strategies and workflows for credit origination and monitoring. A built-in simulation environment allows users to analyze changes to the underlying risk models and sustainably optimize those models.
"Upon completion of this project our rating system will function at an unsurpassed level, which could not have been better."
Banks using the Credit Risk Management Platform can implement any type and number of internal rating models on a central platform. This includes scoring/rating models for evaluating the default probability of obligors (PD), loss given default (LGD), and models for risk-sensitive pricing.
The Credit Risk Management Platform contains a built-in processing engine for running simulations. The application can simulate changes to rating models before launch and also to modified/stressed risk factors.
The Credit Risk Management Platform ensures maximum auditability for model administration as well as during the operational execution of processes, e.g. risk ratings, financial spreading.
The Credit Risk Management Platform is a comprehensive credit risk management solution. It supports a wide range of operational credit risk management processes (e.g. financial spreading, risk rating) as well as analytical credit risk management (e.g. reporting, stress testing) processes.
The platform can be fully adapted to individual requirements. The configuration is performed using a graphical administration platform, which is based on our market-leading business rules management system, ACTICO Rules.
Existing systems can access the Credit Risk Management Platform via a standard interface. This means that third-party applications can initiate risk rating processes and results can be fed back into them. Any type of internal and external data source can also be connected to import data.