Rating Model

• Interfacing with multiple systems that may be deployed at a Bank such as the core banking , treasury, cards, asset liability management , loan origination system etc.
• Linkage with external data sources such as credit bureaus, data vendors, etc. through API’s or other methodologies
• The data you need could be manually entered into the CRSPL rating/scoring engine, interacted from a third-party vendor system, or uploaded via excel.

• Offers complete flexibility in defining rating scale
• Ability to keep track of ratings from external agencies
• Flexibility to translate internal ratings to external ratings
• Periodically review and maintain external ratings

Our Rating Model allows notch-up / notch down and overrides of ratings depending on certain rules established in the bank’s internal ratings policy

• Our Rating Model adheres to the maker-checker-reviewer principle in both definition of models/scorecards in the solution, their usage in evaluating borrower’s credit ratings or scores
• The solution allows for conditional workflow based on multiple metrics such as total loan amount, counterparty type, product and so on..

• Our Rating Model delivers a full array of rating reports including turnaround time (TAT) report, pending ratings report, re-rating due report, rating history of a borrower, peer group comparison reports and so on.
• The solution is adaptable enough to deliver extra credit rating or scoring reports as required by the Bank and as decided upon with CRSPL during the gap assessment phase.

• Our Rating Model includes a wide variety of pre-configured reports and dashboards. It enables clients to configure customized reports and dashboards from the front-end with minimal support
• The solution has a built-in business intelligence tool that would allow a client bank to analyze the data more effectively being produced by the solution.