Credit Risk Management

Quantify, monitor and simulate credit risks with our highly flexible software solutions

Credit risk management
Accelerated Credit Risk Analysis and Decisioning

Credit risk is most simply defined as the potential that a bank borrower or counterparty will fail to meet its obligations in accordance with agreed terms. Sound practices and tools for Credit Risk Management are essential to the long-term success of banking organizations and financial services providers.


A Credit Risk Management Platform enables the analysis of credit risk, the automation of lending and decision-making processes as well as continuous risk monitoring. Improve compliance and lower risk with scorecards and risk models operationalized in automated risk decisioning processes. This allows to immediately respond to new opportunities, competitive challenges, or regulatory changes.


Key Drivers

Banks and other financial service institutions around the world are looking for ways to improve operational efficiency, control risk and achieve a long-term competitive advantage while maintaining compliance with an ever-increasing set of regulatory requirements. Many of the initiatives banks and financial service institutions use for Credit Risk Management are associated with the following key drivers:

Internal Ratings-based Approach for Credit Risk

Banks use Internal Ratings-based credit risk models (PD, LGD, EAD) to comply with the Basel requirements for calculation of risk weighted assets and minimum regulatory capital requirements.

Credit Origination and Decision

When originating loans, commercial lenders and financial service providers need to assess credit risks accurately to make more precise and better informed lending decisions.

Credit Impairment

Following recent amendments to financial accounting standards (e.g. IFRS9/ US-GAAP), organizations will need to generate forward-looking and lifetime credit loss forecasts for credit impairment by implementing and applying Lifetime Expected Loss Models (ECL) under IFRS9 or the US-GAAP equivalent Current Expected Credit Loss Models (CECL). 




Products
ACTICO Software for Credit Risk Management
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 Software for automation & optimization of credit decisions and -ratings.
Credit Risk Management Platform
Assess & monitor credit risks and automate credit origination processes
The Credit Risk Management Platform is a robust and scalable software solution to support processes for credit risk assessment and originating commercial loans. Key functionalities include the spreading and analysis of financial statements and the implementation and execution of internal credit risk rating models. The platform helps commercial lenders to automate credit workflows and make better-informed lending decisions.
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Rules technology for the graphical implementation of rating models
ACTICO Rules
Implement rating models graphically
With ACTICO Rules, rating and scoring models are implemented graphically. From graphical models, the software generates executable program code which can be seamlessly integrated into existing software infrastructures and processes. ACTICO Rules can be used as a standalone technology or as an integral part of our solutions for credit risk management.




Customers
Credit Risk Management Software made in Germany – Used around the world