Credit Risk Identification and Analysis
S&P Capital IQ offers a comprehensive set of solutions and services for commercial lenders to use in powering their internal credit risk identification and analysis processes. Serving the credit risk needs of thousands of clients globally - from emerging to developed markets - we provide solutions that support the critical tasks associated with your daily workflow. From key risk data and credit risk models for scoring to a detailed analysis of default and recovery, we help you gain important insight on rated and unrated entities at the individual and portfolio level.
Using our solutions, origination, credit risk and risk management professionals can easily and cost-effectively:
|What Do You Want To Do?||How We Can Help:|
|Identify Attractive Credit Opportunities||Using our dynamic screening tools search for target borrowers on a wide range of data points, including risk measures. Once identified, let the Global Credit Portal platform help you conduct peer analysis on a relative and absolute basis looking for business opportunities-including industries, geographies and specific borrowers-that meet your key criteria. Leverage our comprehensive industry and borrower research to help complete your overall view.|
|Accurately and Dynamically Parameterize Credit Risk Models||
Your models, and ours, use financial and economic information to create estimates of a borrower's creditworthiness, probability of default (PD) and loss given default (LGD). Capture inputs to drive the models from our rich data sets on the S&P Capital IQ platform and Global Credit Portal Platform including:
|Quantify and Manage Credit Risk from Many Perspectives||
The integration of default and recovery tools with scoring models produces dynamic risk measures.
|Support Regulatory and Market Driven Stress Testing||Credit Model can help you determine the anticipated path to improvement or default by evaluating the impact on "normal course of business" of down-turn and up-turn scenarios; Input Sensitivity Ranks show which variable or ratio has the largest impact on changes in the current credit score for the specific scenario. Perform additional "severe scenario" stress testing for less frequently occurring events; automatically adjust financials based on a pre-determined "light" or "heavy" stress scenario and scores will be mapped to stressed PDs for one, three and five years|
|Benchmark Credit Risk Measures To Support Risk Based Decision Making||
Our extensive data enables you to:
|Decide and Document A Course Of Action||
Global Credit Portal Platform and S&P Capital IQ can also help you finalize your opinion and automatically create a wide range of reports covering all the topics you need for a comprehensive credit memo, including:
|Conduct Timely and Efficient Credit Surveillance||Credit Model and Credit Risk Tracker provide pre-calculated scores and probability of default's enabling timely and efficient surveillance of public and private credits and providing the right early warning indicators and actionable information to drive pro-active credit monitoring.|
|Bring Independent Expertise and Scale To Risk Projects||Our organization offers a comprehensive set of integrated Advisory Services delivered by teams of regionally based experts. From risk frameworks and model validation to benchmarking and outsourced credit analysis, we have the right local skills and capabilities to complement your internal teams. Let us assist with your efforts to achieve regulatory approval, drive capital and liquidity management and to implement and drive risk-based decision making at all levels.|