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

S&P Global Market Intelligence’s Credit Assessment Scorecards provide credit and risk management professionals with the essential tool.

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Assess confidently, consistently, and conveniently.

Explore all Features

  • 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 30+ Scorecards for all major asset classes, governments, real estate, and project finance. Rely on leading benchmarks, including 90+ 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.

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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 90+ Industry and Country Risk Scores.

  • Ensure high predictability of default risk

    Precision developed through a rigorous scorecard development process and updated with annual re-calibrations.

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.

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.

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.

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Discover the power of credit assessment scorecards.

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