Financial Risk Rating for Small Business and
Commercial Lending

Our Probability-of-Default and Loss-given-Default models allow a bank to implement a more accurate risk rating system for Small Business, Mid-Market and Commercial Real Estate lending. The models can be used for risk rating of an obligor (firm) as well as of the industry that the obligor operates in. Credit/risk officers can use those models to assess how well the obligor under study performs with respect to its peers in an industry group. They can also use them to perform what-if scenario analysis in order to understand the impact of changes in the performance of the obligor and/or its industry.