Credit Rating System
Banks today face varied challenges in assessing and monitoring the credit risk of borrowers and in taking prompt corrective actions when required. Factors such as the introduction of new regulations like BASEL-II, exponential increase in the number of borrowers, cross-country exposures, and expanding geographical reach have increased these challenges.
Lending is one of the primary functions of financial institutions around the world. A complete scrutiny before sanctioning the loan, proper follow-up, and monitoring after loan sanction guarantees profit and reduces debts. This is the bottom-line mission of every financial institution offers lending services.
Modules covered:
- Individual / Group borrower details capture
- Profile Analysis
- Risk assessment
- Risk measurement
- Risk rating (PD and LGD)
- Pricing
- Adjudication
- Non-performing assets management
- Credit risk review
- Credit administration
- Credit monitoring
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