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With credit markets constantly evolving, how effectively do you manage risk?


S&P Global Market Intelligence’s Credit Assessment Scorecards provide credit and investment management professionals with the essential tools to identify and manage potential default risks of private, publicly-traded, rated, and unrated companies and government entities, across a multitude of sectors.


The Scorecards enable environmental, social, and governance (ESG) factors to be considered in credit risk analysis in a transparent and structured way, while working through the regular credit assessment process.



Learn More about Credit Assessment Scorecards

Learn more about Credit Assessment Scorecards

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Deep-Dive Into Some Of Our Sector Specific Scorecards

Bank Scorecard > Commercial Real Estate Scorecard >
Project Finance Scorecard > Alternative Investment Funds Scorecard >
U.S. Public Finance > IFRS 9 >
CECL Scorecard > Social Housing Provider and Association Scorecard >
Basel IV >

  • Assess ESG Factors in Credit Risk Analysis

    Confidently assess ESG risks in credit risk analysis and review the materiality and impact of ESG factors, developments, and issues on a counterparty’s credit profile via our general and sector-specific Corporate Scorecards.

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  • Risk Insight: Efficiently tracking the creditworthiness of new customers

    Watch Bob Durante of S&P Global Market Intelligence explore how a multinational utility company put in place a consistent and efficient system to track the creditworthiness of hundreds of new customers.

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  • Confidence

    Gain confidence in your decision-making and the reliability of your company’s internal risk rating systems with broad sector and geographic coverage. Access 70 Scorecards for all major asset classes, governments, real estate, and project finance. Rely on leading benchmarks, including 140 Industry and Country Risk scores.

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  • Consistency

    Follow a roadmap to consistently assess creditworthiness, focusing on the key risk factors most predictive of default risk. Scorecards’ standardized structure allow for replicability year-to-year, analyst-to-analyst, and numerical outputs are broadly aligned with S&P Global Market Intelligence’s credit model scores, supported by historical default data dating back to 1981, and can be adapted to your own internal scale.

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  • Analytical Framework

    Make analysis easy, fast, and convenient. Key features include the ability to automate the spreading of financial ratio data using the Excel Add-in, transparent and in-depth model development and maintenance documentation to help meet regulatory requirements, seamless annual updates, the ability to deploy quickly, and extensive training for each Scorecard we offer.

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Assess credit risk with confidence.

  • Combine Qualitative and Quant Drivers

    Point-in-time and forward-looking qualitative factors, along with converging trends, create a comprehensive picture of credit risk.

  • Apply Leading Benchmarks

    We provide 140 Industry and Country Risk Scores.

  • Enhance transparency and engagement

    ESG credit risk factors in the Scorecard framework help to enhance transparency and reporting, enabling a more rigorous integration of ESG considerations into fundamental credit analysis.

Assess credit risk with consistency.

  • Use Attribute-Driven Scoring Guidelines

    Provide an easy-to-use, logical structure to score business risk factors with 75% of Scorecard outputs within one notch of public credit ratings.

  • Identify Default Risk

    Implement a granular 20-point rating scale.

  • Access Scorecard Numerical Scores

    Our scorecards are broadly aligned to S&P Global Ratings' criteria, and further supported by historical default data dating back to 1981.

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Assess credit risk with convenience.

  • Automation

    Automate the spreading of financial data using the Excel Add-in.

  • Easy Updates, Transparent Documentation

    Scoring Criteria and User Guide are kept up-to-date with a rigorous annual methodology review, which also help you meet regulatory requirements.

  • Quick Deployment

    Our Scorecards are an out-of-the-box solution and are ready to use, so your company resources can be deployed more efficiently.

S&P Global Market Intelligence - Credit Risk Product of the Year  

 

 

 

Proactively Evaluate Loss Given Default

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Read our case studies

  • An Airport Authority Leverages a Credit Assessment Scorecard for Transfer Pricing.

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  • A European Bank Leverages an AIF Scorecard to Help Meet Basel Regulatory Requirements.

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  • A Scorecard Approach Helps a Bank Assess Credit Risks with Smaller Companies.

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  • A European Bank Accelerates Automation of Its Credit Risk Management Processes.

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  • An Asian Asset Manager adopts a Best-Practice Approach for Calculating Portfolio Credit Risk.

    READ MORE

  • National Bank in South East Asia utilizes Credit Assessment Scorecards to comply with IFRS 9.

    READ MORE

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