Credit rating and credit scoring with the finest software tool

In order to execute a proper model calculation, all relevant data has to be available. Our solution’s financial statement module is responsible for capturing balance sheet, P/L and cash flow statements. Afterwards, the module calculates control checks and indicators to ensure consistency, then calculates an automated cash flow statement and compares it with the provided one. During the financial analysis part of the credit rating/credit scoring process, the software calculates all industry standard and custom financial indicators parameterized by you for multiple periods.

Features

• Capture financial statements through system interface, user screen or file upload
• Execute the analysis of the financial statements also on a historical horizon
• Calculate various types of financial indicators
• Capture qualitative information and soft facts about the client for further analysis through system interface, user screen or file upload
• Offer you our proficiency in Rating and Scoring modeling, including PD, LGD, EAD models
• Calculate Champion/Challenger simultaneously models
• Provide you with full-scale parameterization so that you can change the models, the calculations, the financial statement structures, the qualitative questionnaires later on
• Manage application or behavioral models
• Calculate ratings based on different approaches at the same time
• Integrate into the current IT infrastructure of the Bank
• Support both quantitative and qualitative measurements (expert or statistical systems)
• Centralize the scattered storage of financial data about the clients
• Support multiple IT platforms