S&P Global Market Intelligence’s Credit Assessment Scorecards provide credit and risk 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.
Some Scorecards are enhanced to include visualized Environmental, Social and Governance (ESG) analysis, to help estimate the impact of ESG factors on credit risk while working through the regular credit assessment process.
Credit Assessment Scorecards
With credit markets constantly evolving, how effectively do you manage risk?
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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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Convenience
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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Essential Solutions for IFRS 9 and CECL
Our suite of Scorecards and credit-related solutions can help institutions comply with both IFRS 9 and CECL by providing access to historic credit ratings, default and loss data, credit risk, and loss assessment models. Scorecards provide an impairment calculation engine which incorporates macroeconomic conditions and market information to produce 1-year and lifetime calculations.
Learn more about our Regulatory Solutions
Assess credit risk with confidence.
Assess credit risk with consistency.
Assess credit risk with convenience.
We strive to provide service you can rely on.
Our modeling and integration team is available to help enhance your existing internal processes and scoring models and explain the methodology of our calculations.
See our solutions in action.
Read our case studies
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See how an Asian asset manager adopts a best-practice approach to assess credit risk
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Learn how a National Bank in South East Asia is using our Credit Assessment Scorecards to comply with IFRS 9.