CreditCompanion™ (Beta) in Action: Empowering the Modern Commercial Bank Analyst

What is CreditCompanion™ (Beta)?

CreditCompanion™ (Beta) is a GenAI chatbot for RatingsDirect® users, designed to efficiently uncover, analyze, and summarize credit research insights. Built on advanced NLP, LLM, and RAG technologies, it delivers accurate, relevant responses. By automating routine tasks like information retrieval, trend analysis, and peer comparisons, it helps credit analysts save time and enhance productivity.

Key Features:

• Efficient Access to Ratings Research: Intuitive chat interface for quick access to S&P Global Ratings data and research.
• Comprehensive Credit Summaries: Generates company summaries, peer comparisons, and ratings lists.
• Rapid Information Compilation: Quickly compiles summaries on entities, peers, sectors, and macro-credit trends.
• Insightful Data Extraction: Extracts insights from over 1 million credit ratings and three years of credit research from S&P Global Ratings.
• Reliable and Transparent Information: Links directly to relevant source documents from S&P Global Ratings for confidence and verification.

Challenges Faced by Credit Analysts in Commercial Banks:

• Time-Intensive Data Gathering: Analysts spend significant time collecting and consolidating information from multiple sources to stay current with rating updates and market developments.
• Constant Monitoring Requirements: Keeping track of rating changes, credit events, and evolving market conditions demands continuous vigilance.
• Complex Credit Evaluation: Interpreting detailed financial fundamentals, monitoring portfolios for early warning signals, and ensuring regulatory and policy compliance add to analytical pressure.
• Navigating Economic and ESG Uncertainty: Macroeconomic volatility, sector-specific risks, and emerging ESG considerations make credit assessments more complex and dynamic.
• Limited Access to Structured, Real-Time Information: Fragmented or outdated data can delay credit memo preparation and counterparty analysis, affecting decision speed and accuracy.

These challenges highlight the need for robust tools that streamline data aggregation, enhance scenario analysis, and automate workflows – enabling faster, more reliable, and insight-driven credit assessments.

How CreditCompanion™ (Beta) Addresses These Challenges:

CreditCompanion™ (Beta) aggregates ratings, outlooks, and financial data from S&P Global Ratings, reducing research time and ensuring accuracy.
By surfacing summarized insights through an intuitive conversational interface, it supports analysts across key workflows such as portfolio surveillance, counterparty analysis, and credit memo preparation – helping them access, interpret, and apply credit intelligence more efficiently.

Example Analyst Prompts:

1. You can summarize sector-level credit drivers and key risks for your counterparty borrower drawing directly from S&P Global Ratings’ latest industry commentaries.