S&P Global Market Intelligence

Make Effective Lending Decisions

Are you charged with evaluating the creditworthiness of different sized companies across industries and geographies?

Effective loan portfolio management begins with the oversight of potential risk. But credit markets are volatile and regulations are continuously evolving, challenging you to stay on top of customer creditworthiness to limit losses. This can be especially difficult when you are providing loans to a diverse set of companies, industries, and regions of the world.

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Accelerate Your Loan Risk Analysis with a Robust Suite of Data and Tools

Power your assessments with a deep view of fixed-income markets, analytical models, and additional credit risk assessment tools to quickly evaluate potential exposures with rated and unrated public and private companies around the globe.

Access the official desktop source for S&P Global Ratings credit ratings and research with RatingsDirect^®. Efficiently analyze credit performance and trends with aggregated intelligence at the sector, sub-sector, industry, entity, and portfolio levels. Stay current with top stories and sector highlights, including dynamic ratings distribution, and credit ratings migration charts. In addition, gain direct access to credit-adjusted financial statement information for global banks, corporates, and utilities rated by S&P Global Ratings, along with comparison tools, customized filters, and financial data reports. Receive desktop push notifications to alert you to ratings actions, research updates, CreditWatch and Outlook assignments, news, and market movements as they happen and more. The information is available via desktop and Excel^® Plug-in solutions.

Get a holistic view of risk with Credit Analytics. Access credit scores, models, and tools to ease your workflow when running risk analysis. By providing a range of credit risk indicators from market-based to fundamental-based scores you don’t have to choose which ones to monitor, as you can watch them all. In addition, we have devised a universal framework that enables you to estimate the credit risk of private companies of any size, globally (while taking into account local characteristics via country risk scores, and region-specific factors), with or without financials.

Contact us to discover the tools to succeed in every stage of your lending lifecycle >

The Expanded PD Model Fundamentals framework leverages the pre-scored database created using our PD Model Fundamentals. With all these capabilities, you can track daily credit risk deterioration, gain a longer-term point of view, and set alerts to be notified of important changes. Credit Analytics models and data are available via a web solution, Excel Plug-in, and bulk data feed, plus API solutions that enable you to embed information in internal and third-party platforms.

Evaluate probability of default (PD) and loss given default (LGD) using our Credit Assessment Scorecards. Produce stable, forward-looking assessments that can be mapped to long-term PD and recovery rates. Scorecard numerical scores outputs are broadly aligned with S&P Global Ratings’ Criteria¹ and further supported by historical default data dating back to 1981.

Leverage ProSpread^TM to automatically extract and spread financial data from images and PDFs, including scanned documents, into your workflow tools to eliminate time-consuming manual entry. ProSpread excels at poor quality documents that you may receive from your counterparties, and continuous online learning using Natural Language Processing combined with Optical Character Recognition minimizes any manual adjustments that are required. Let Credit Analytics pick up the information so you can easily score companies with the extracted financials.

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¹S&P Global Ratings does not contribute to or participate in the creation of credit scores generated by S&P Global Market Intelligence. Lowercase nomenclature is used to differentiate S&P Global Market Intelligence PD credit model scores from the credit ratings issued by S&P Global Ratings.

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