From Credit Research to Credit Decisions – Faster
CreditCompanionTM is a purpose‑built AI chatbot for credit workflows that reduces time spent searching and synthesizing research by delivering trusted, source‑linked answers grounded in S&P Global Ratings’ credit ratings and research. It empowers analysts to make confident, timely credit decisions with ease.
Why credit teams are using CreditCompanionTM
Credit teams are covering more entities, monitoring risk more frequently, and responding faster — often without additional resources. Within RatingsDirect®, CreditCompanion helps reclaim time by accelerating how credit research is summarized, contextualized, and applied.
Across common workflows, users have achieved average time savings of ~67%*, allowing more focus on judgment and decision-making.
*Article: Are Credit Chatbots Worth the Resources?, S&P Global Market Intelligence September, 25 2025, https://www.spglobal.com/market-intelligence/en/news-insights/research/2025/09/are-credit-chatbots-w...
CreditCompanionTM
Entity specific‑ credit analysis
Quickly summarise issuer credit research, surface key drivers and risks, and prepare for reviews in minutes instead of hours.
Try these prompts
- What’s the latest research on @[Company]?
- What are the main drivers of this issuer’s credit profile?
- Highlight recent developments that could affect credit quality
- Provide upside and downside scenario for @[rated issuer name].
Macro, Industry &
Sector Context
Turn macro and sector research into concise, credit‑focused insight for portfolio reviews and committee discussions.
Try these prompts
- Which countries and industries are most exposed to supply chain disruption in the Strait of Hormuz? Include findings from all regions globally.
- Which countries and industries are most exposed to production costs increasing from an oil price spike?
- Summarize research related to credit headwinds, macroeconomics, channels, impact on credit. Include findings for corporates and banks
- What is the impact of Tariffs on the automobile Industry in 2026?
- Tell me more about the key risks facing Financial Institutions globally in 2026?
Ratings Rationale & Transparency
Understand the rationale behind credit opinions and the factors supporting or constraining credit quality.
Try these prompts
- Why is this issuer rated at its current level?
- What factors could lead to a rating change?
- Which qualitative and quantitative factors most impact this rating?
CreditCompanion™ Prompts by Company Type & Role
Discover how teams like yours use CreditCompanion™ in real-world scenarios.
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Insurance
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Investment Management
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Commercial Banks
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Investment Banks
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Corporates
Under your role, we’ve highlighted the most relevant CreditCompanion™ prompts for you.
Underwriter
- Provide a comprehensive summary of [Entity Name]'s financial results over the past 12 months including key metrics such as revenue profitability cash flow and any significant changes or trends.
- How sensitive is an [Insurer Name]'s credit profile to weaker earnings or higher claims.
- How does an [Entity Name]'s financial position compare to typical peers in the insurance Sector.
Actuarial and Risk Modeling
- Provide a list of companies in the [Industry] [Sector] that currently have a negative outlook including the rationale for the negative outlook.
- Which types of insurance companies are most vulnerable in a recession scenario.
- Summarize the top risks currently affecting the insurance industry based on recent research.
Insurance Investment Teams
- How has leverage and liquidity trended for an [Entity Name]'s over recent years.
- What financial metrics are most important for [Entity Name]'s current rating level.
- Which credit strengths differentiate stronger rated insurers from weaker ones.
Case Studies
Under your role, we’ve highlighted the most relevant CreditCompanion™ prompts for you.
Portfolio Manager
- List investment-grade rated issuers in the [Industry] [Sector].
- Which [Sector]s are currently showing the most pressure on leverage and liquidity.
- How does [Entity Name]'s balance sheet strength compare to [Sector] norms.
Buy Side Analyst
- What balance sheet metrics carry the most weight in assessing credit quality.
- How have key financial ratios for [Entity Name]'s evolved over time.
- Identify the key megatrends that credit analysts and investors should be aware of in 2026.
Private Equity or
Private Credit
- Which financial metrics would most quickly pressure liquidity for [Entity Name]'s.
- How resilient is [Entity Name]'s capital structure under weaker cash flows.
- Summarize trends in private markets for investments in data centers (capital supply, pricing, risks).
Case Studies
Under your role, we’ve highlighted the most relevant CreditCompanion™ prompts for you.
Credit Analyst
- Summarize leverage liquidity and cash flow strength for [Entity Name]'s.
- What metrics are most relevant for evaluating credit risk in this industry.
- How does [Entity Name]'s compare to [Sector] peers on key financial ratios.
Risk and Compliance
- Analyze and identify which industries and countries are most at risk of experiencing "fallen angel" downgrades over the next 12-24 months.
- What recent rating or leverage trends could affect regulatory capital assessments.
- Which financial risk indicators are regulators most focused on today.
Commercial Lending and Relationship Management
- What financial warning signs should we monitor for [Entity Name]'s.
- How has [Entity Name]'s credit strength changed over time.
- Provide a list of all entities in the [Industry] [Sector] that have received rating upgrades recently.
Case Studies
Under your role, we’ve highlighted the most relevant CreditCompanion™ prompts for you.
DCM Originator
- How does [Entity Name]'s leverage and liquidity position support debt issuance.
- What financial factors matter most to bond investors for issuers in this [Sector].
- Create a peer-comparison table for [Entity Name].
Ratings Advisory and Structuring
- Which financial metrics are most influential for [Entity Name]'s rating.
- Explain how regulatory, tax, and accounting treatments affect [Entity Name]'s credit metrics.
- What financial thresholds often lead to rating pressure.
Sell Side Credit Research and Trading
- What financial metrics differentiate stronger rated issuers in this [Sector].
- Which [Sector]s are seeing the most financial pressure currently.
- Summarize recent developments in the [Industry] industry over the past 12 months from a credit ratings perspective.
Case Studies
Under your role, we’ve highlighted the most relevant CreditCompanion™ prompts for you.
Treasury and Finance
- Which financial metrics could pressure the rating if they weaken for [Entity Name]'s.
- Provide the current credit rating and outlook for [Entity Name].
- Compare [Entity Name] to its peers on leverage and liquidity.
Procurement and Supply Chain
- What financial indicators suggest rising credit risk for a counterparty.
- Assess the potential operational disruption risk for [Entity Name] if financial distress emerges.
- What financial factors should be monitored for early signs of stress.
Corporate Development and Strategy
- Provide the rating history for [Entity Name].
- Identify which macroeconomic variables are most material to cash-flow stability in the [Region] [Industry].
- Summarize the credit conditions in the [Industry] sector based on research published in the past 24 months.
Case Studies
Webinars
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Contact us to learn more about how CreditCompanionTM can accelerate credit research, streamline analysis, and unlock insights using RatingsDirect® and XpressAPI.