“We were looking for a robust and centralised platform to manage our internal rating models.”
James Berrecloth
Head of Risk Infrastructure, Santander UK
Credit Risk Platform for Banks and Financial Services Organizations
Make faster, well-informed lending decisions, while keeping risk, cost and compliance firmly under control. Financial spreading, internal ratings, credit analysis and decisioning workflows for commercial and SME lending on a secure, AI-powered platform. The platform provides credit risk assessment software for commercial and SME lending.
Key Capabilities of the Credit Risk Platform
ACTICO supports comprehensive commercial risk assessment workflows — from document ingestion and automated financial spreading to internal risk ratings and credit approval workflows — in a single, secure and cloud-native platform. Together, these capabilities form a credit risk assessment platform for end-to-end commercial lending processes.
ACTICO uses agentic AI, large language models (LLMs) and intelligent document processing to extract, structure and map financial data from complex financial documents, preparing it for downstream credit analysis with minimal manual effort. This accelerates financial spreading and helps credit teams move faster from document intake to risk assessment. The result is more efficient automated credit risk assessment with less manual preparation.
Benefits
- Reduce manual preparation effort significantly
- Accelerate financial spreading with AI-driven automation
- Move faster from document intake to credit analysis
Capture, import, spread and analyze financial statements using built-in and custom spreading templates. ACTICO helps credit teams improve consistency, increase data quality and reduce manual errors — supporting financial statement analysis across various lending portfolios. This provides a foundation for consistent credit risk analysis software across lending portfolios.
Benefits
- Calculate and analyze financial ratios using portfolio-specific spreading templates
- Calculate and visualize trends and common-size analysis
- Conduct peer analysis and financial projections
ACTICO gives financial institutions a centralized platform to configure, deploy, and govern internal credit risk rating models, with full workflow automation and auditability built in. Designed to meet IRB, IFRS 9, and Basel III/IV requirements, it delivers faster model deployment, consistent execution across the organization, and transparent lifecycle management. It provides a centralized credit risk management platform for model deployment, governance and execution.
Benefits
- Deploy internal credit rating models (e.g., IRB-A) on a single, centralized platform
- Capture qualitative and quantitative risk factors via an intuitive web-based interface
- Configure rating logic with a no-code graphical rules editor
- Maintain full governance, transparency, and audit trails for regulatory compliance
Use pre-integrated external credit risk scorecards and credit scoring models as standalone inputs or in combination with internal models. Enriches credit assessment with external credit scorecards from Scope (EU) and Risk Rating Solutions.
Benefits
- Deliver analysis through intuitive, easy-to-use, industry-specific credit analysis scorecard templates
- Incorporate leading industry knowledge and best practices based on a century of experience in evaluating credit risk
- Flexible deployment options: Cloud-based, workflow-enabled platform or integrated with your existing internal or third-party software packages
The Credit Risk Platform includes a no-code decision engine and transparent, auditable approval workflows. Business users can configure credit policy rules, automate decisioning logic and manage approval processes without IT dependency — streamlining credit decision and approval workflows and speeding up loan processing times. This also supports a configurable credit approval workflow platform for automated and manual lending processes.
Benefits
- Make automated, instant credit decisions based on institution’s policy rules.
- Increase underwriting efficiency and reduce turnaround times.
- Flexibly implement and maintain business rules, approval workflows and underwriting screens.
Streamline commercial credit risk assessment on a secure, AI-powered Credit Risk Platform
The ACTICO Credit Risk Platform is a cloud-based software solution for commercial credit risk assessment in banks and financial institutions. It brings together financial spreading, financial statement analysis, internal ratings, external credit risk scorecards, data integration and rule-based credit decisioning workflows — deployable as a targeted solution for a specific process or as a fully integrated platform for end-to-end credit risk assessment. This makes ACTICO a comprehensive credit risk platform software solution for commercial lending.
Agentic AI is embedded directly in the platform and supports key steps across the credit risk workflow — from document intake and financial statement analysis to rating support and credit memo generation. Credit analysts receive analysis-ready outputs while maintaining full control over every step.
The platform is built on a secure, scalable cloud architecture designed for business-critical credit risk processes in modern banking environments. Open APIs and standardized interfaces enable seamless integration into existing banking system landscapes.
Integrated reporting, dashboards and portfolio views provide transparency at both client and portfolio level — forming the foundation for consistent credit risk management across the institution.
Agentic AI for Commercial Credit Risk Assessment
Financial institutions face growing pressure to process increasing volumes of data while maintaining rigorous standards of risk management and regulatory compliance.
Agentic AI offers a new way to operate: AI agents can analyze data, coordinate tasks and support complex decision workflows — integrated into the processes where it matters most.
Within credit risk, agents can gather information, extract financial data, generate structured analyses and prepare risk assessments / credit memos for analysts’ review — delivering a more efficient process while keeping final decisions firmly in human hands.
Secure, scalable cloud architecture and open APIs
Built natively on Salesforce, the ACTICO Credit Risk Platform delivers enterprise-grade cloud infrastructure with open APIs and standardized interfaces — designed to integrate into existing banking environments and support efficient, governed credit risk processes.
Key questions about the ACTICO Credit Risk Platform
What makes a credit risk platform different from disconnected point solutions?
The Credit Risk Platform covers different core capabilities — financial spreading, credit risk analysis, internal ratings, decision workflows and data integration on one Platform. Depending on the customer’s need, customers can flexible decide to use dedicated modules or all modules offered by the solution. This gives institutions a flexible credit risk analysis platform that can be adapted to their needs.
How flexible can I adjust the Credit Risk Platform to my requirements?
The Credit Risk Platform is designed to be highly flexible and configurable to meet bank-specific requirements. From spreading templates and models to workflows and integrations — all based on no-code, descriptive configuration rather than custom code. The configurable architecture also supports a tailored credit risk management software approach without requiring custom development.
Can I integrate my own bank-internal rating models?
Yes, the integration of bank-internal rating models (e.g. for PD, LGD calculation) is a key capability of the Credit Risk Platform. Internal Rating Models are implemented, managed, version-controlled, tested and deployed using a graphical no-code editor. It is also possible to integrate models hosted on third-party model runtimes.
How does ACTICO support governed and auditable credit risk processes?
ACTICO supports governance and auditability through workflow-enabled model execution, revision-safe data storage, controlled approval workflows and centralised management and versioning of rating and decision logic. These capabilities support a governed credit risk management system with transparent workflows and audit trails.
How does Agentic AI support financial spreading?
Agentic AI can handle document-heavy upstream tasks such as extracting, structuring and mapping financial data from complex documents — reducing manual preparation effort and accelerating the path to credit analysis.
Recognised throughout the industry.
For many years, ACTICO has been recognized by customers and analysts as a leading provider of Advanced Decision Automation Technology and solutions for Compliance and Credit Risk Management. This gives financial institutions confidence when selecting a platform for business-critical risk processes.
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Talk to our experts about modernizing your commercial credit risk assessment processes
Discover how ACTICO can help you streamline financial spreading internal risk ratings, and credit approval workflows – enabling banks to make faster, well-informed lending decisions.