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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 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.


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Factoring ESG in Credit Risk Analysis

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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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  • 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.

  • 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.

  • Analytical Flexibility

    Assess a variety of ESG factors in terms of their impact on relevant credit risk factors.

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.

Actively Manage Credit Risk Through CECL

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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.

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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See our solutions in action.