SCRA Solutions
Streamline your Standardized Credit Risk Assessment with a single, integrated solution – from trusted data to defensible grades. Replace manual processes with speed, reliability, and automation across your entire SCRA portfolio.
The Industry's Richest Data Foundation
Every confident SCRA decision starts with trusted data. We eliminate manual work by providing a globally sourced, standardized, and high-quality dataset – ready for regulatory checks or deep due diligence.
- Comprehensive Coverage: In-depth regulatory requirements across 100+ countries and detailed bank-level tracking for over 6,700 institutions in 140+ countries – capturing jurisdictions and entities where SCRA data is publicly reported.
- Standardized & Ready to Use: Verified by 189,000 automated checks and standardized across jurisdictions and accounting standards – so you can skip the manual prep and reconciliation and go straight to assessing whether counterparties meet regulatory minimums or conducting deeper analytical assessments.
Powerful Analytics for Every Level of Complexity
Our data foundation powers two analytical paths – so you can match the right level of rigor to the complexity of your exposures.
- Quantitative Precision – Credit Analytics CreditModel™: An advanced statistical model trained on decades of S&P Global Ratings' credit expertise. It transforms raw data into forward-looking Probability of Default and quantitative credit scores, giving you the crucial "why" behind every grade.
- Expert-Led Assessment – Scorecards: The premium path for portfolios with more complex and diverse exposures. Our Scorecards apply expert-judgment methodologies backed by S&P Ratings criteria, delivering consistent, comparable credit assessments even on the most complex SCRA counterparties – with 100% portfolio coverage and output tailored to your needs.
A Complete, Actionable SCRA Solution
Whether you use our quantitative models, expert-led scorecards, or both, the result is the same: a streamlined and confident path to compliance.
- Defensible Grading: Confidently assign SCRA grades (A, B, C) with clear analytical justification that stands up to regulatory scrutiny.
- Streamlined Workflow: Accelerate your risk assessment, peer benchmarking, and regulatory reporting cycles.
- Transparent & Customizable: From a standardized model-driven output to a fully tailored scorecard analysis – choose the depth that matches your regulatory requirements.
- Flexible Delivery: Integrate directly into your workflow via API, Data Feeds, Cloud, or our Excel Plug-in.
Find Your Fit
Every institution's SCRA challenge is different. Whether you need a trusted data foundation for your own analysis, a model-driven approach for scalable grading, or a fully managed expert assessment for your most complex exposures – we have a solution that matches your requirements and regulatory ambitions.
Choose the path that fits your portfolio complexity and operational needs.
Featured Products to assist with SCRA Implementation
S&P Capital IQ Pro
Access comprehensive, standardized data on bank financials, regulatory capital ratios, buffer requirements, and audit opinions – covering over 6,700 banks globally. Skip the manual prep and go straight to analyzing counterparty creditworthiness and assigning risk weightings.
Credit Analytics
Deepen your analysis with data-driven modeling. Credit Analytics applies our proprietary CreditModel™ to generate quantitative credit scores and Probability of Default estimates, adding a forward-looking perspective to your SCRA assessment. Works seamlessly with S&P Capital IQ Pro data or your own.
Credit Assessment Scorecards
For counterparties that demand deeper scrutiny, our SCRA Scorecards deliver bespoke, expert-led credit assessments backed by S&P Ratings criteria – giving you standardized, regulatory-aligned results with full transparency and auditability.
SCRA Insights
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S&P Global Market Intelligence offers a comprehensive suite of SCRA solutions tailored to meet your requirements. Learn how our expert tools and insights can streamline your compliance process and enhance your financial reporting accuracy.