Assessing ESG Factors in Credit Risk Analysis with our Credit Assessment Scorecards
S&P Global Market Intelligence’s Credit Assessment Scorecards provide credit and risk management professionals with the essential tools to identify and manage potential default risks of private, publicly-traded, rated, and unrated companies and government entities, across a multitude of sectors.
Scorecards with ESG Credit Metrics are enhanced Scorecards that explicitly include environmental, social and governance (ESG) factors. The ESG credit risk factors are considered in detail alongside the traditional credit analysis formalized in the Scorecards, enabling you to reflect the impact of material ESG factors on credit risk while working through the regular credit assessment process. These Scorecards generate ESG credit metrics that quantify the impact on the final credit score of ESG credit risk factors, a key stakeholder requirement.
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Proven Methodology
Leverage 150 years of S&P Global subject-matter expertise in credit assessment, ratings, sector specific knowledge and ongoing research and development.
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Ongoing support
Supported by comprehensive and targeted training, ongoing methodology updates and maintenance as well as analytical support and access to our analysts
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Aligned with regulation
Aligned with Bank for International Settlements / International Financial Reporting Standards 9 regulation-widely used for more than a decade.
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Complete solution
Measure the default and recovery risk and provide credit professionals with the ability to score counterparties and facilities of any size, in any geography
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Consistency
Standardized and transparent structure allows for replicability year-to-year, analyst-to-analyst and easy auditability.
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Transparency
In-depth model development and maintenance documentation helps you meet regulatory requirements.
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Analytical confidence
Follow a robust roadmap to assess creditworthiness, focusing on the key risk factors most predictive of default risk, supported by historical default data dating back to 1981
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Seamless updates
We ensure that each scorecard remains analytically sound and that the scoring criteria and User Guide are kept up-to-date with a rigorous annual methodology review process
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Quick deployment
Unlike other solutions, our Scorecards are an out-of-the-box solution, so you can free up resources in your company to increase efficiency throughout your business
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Predictive and powerful
Performance testing with 75% of Scorecard outputs within one notch of public credit ratings as well as Identification of default risk through a granular 20-point rating scale
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Automation
Automates the spreading of financial data from S&P Capital IQ using the Excel “Plug-in” feature
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Extensive sector coverage
70+ scorecards offer sector-specific, globally applicable sector and geographic coverage for all major asset classes, governments, real estate, and project finance
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| Contact us to learn more about our ESG Enhanced Scorecards |
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