How does a credit assessment tool differ from an official S&P Global credit rating?

A Credit Assessment Scorecard generates a numerical score for use within an organization’s internal credit process. The score is broadly aligned with S&P Global Ratings’ criteria, but it is not an S&P Global credit rating or an opinion issued by S&P Global Ratings.

How is the credit assessment framework delivered and integrated into existing banking systems?

Depending on the supported Scorecard and implementation requirements, delivery options may include Excel-based templates, web-based access and API integration with internal credit assessment and decisioning systems.

How do these models support regulatory validation standards, including Basel IRB?

Credit Assessment Scorecards can support Basel IV and Internal Ratings-Based activities such as probability of default assessment, loss given default analysis, portfolio segmentation, benchmarking and risk monitoring. Financial institutions remain responsible for determining how methodologies are used within their own regulatory, governance and validation frameworks.

How does the solution support CECL and IFRS 9 loan loss provisioning?

Relevant Scorecards can support credit risk inputs used in CECL and IFRS 9 impairment and expected credit loss workflows, including probability of default and loss given default analysis.

Can the tools evaluate specialized assets such as project finance, commercial real estate and private funds?

Yes. The Scorecards suite includes frameworks for specialized exposures including project finance, commercial real estate and alternative investment funds, alongside corporate, financial institution, sovereign and public finance sectors.

How do Credit Assessment Scorecards support internal credit rating systems?

Yes. The Scorecards suite includes frameworks for specialized exposures including project finance, commercial real estate and alternative investment funds, alongside corporate, financial institution, sovereign and public finance sectors.

Can ESG factors be incorporated into credit risk analysis?

Scorecards can support credit approval, underwriting, counterparty assessment, portfolio monitoring, investment analysis and internal risk reporting across rated and unrated entities.

Can Credit Assessment Scorecards be used for unrated companies?

Yes. Credit Assessment Scorecards enable environmental, social and governance factors to be considered in a transparent and structured way as part of the regular credit assessment process.

Credit Risk Assessment Tools & Scorecards | S&P Global

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Our Scorecards provide you with essential tools to identify and manage potential default risks of private, publicly traded, rated, and unrated companies, across a multitude of sectors.

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Assess Credit Risk with Confidence and Consistency

S&P Global Market Intelligence’s Credit Assessment Scorecards is a credit risk assessment tool that provides credit and investment management professionals with essential tools to identify and manage potential default risks of private, publicly traded, rated and unrated companies, as well as government entities, across a wide range of sectors.

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

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Key Benefits

Generate Scores Backed by Proven Credit Expertise

Generate numerical scores that are broadly aligned with S&P Global Ratings' criteria and supported by historical default data dating back to 1981. This provides a consistent and transparent foundation for credit decision-making.

Assess Credit Risk with Confidence

Apply a robust framework that combines qualitative and quantitative risk factors to identify the drivers most predictive of default risk and creditworthiness. This structured approach helps support more informed lending, investment and risk management decisions.

Improve Consistency Across Credit Decisions

Standardize credit assessments across counterparties, portfolios, analysts and geographies to support greater consistency, transparency and auditability.

Broad Sector and Global Coverage

Use sector-specific credit risk assessment tools across corporates, financial institutions, funds, sovereign and public sector entities, project finance, real estate and specialized lending exposures.

Support Governance and Regulatory Requirements

Leverage transparent methodologies, documented assumptions and established analytical frameworks to strengthen governance, validation and regulatory oversight.

Flexible Implementation and Ongoing Support

Deploy an out-of-the-box solution through Excel, web-based interfaces or API delivery options, complemented by training, annual methodology reviews, maintenance updates and specialist analytical support.

Explore Our Scorecards by Sector

Access a broad suite of scorecards covering corporate, financial institution, fund, sovereign, public sector and specialized lending exposures.

How We Help With Implementation

Credit Assessment Scorecards Brochure

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

Internal Credit Rating and Basel IV IRB Applications

Scorecards Case Studies

S&P Capital IQ Pro FAQ

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Assess credit risk with confidence and consistency. Complete the form to learn how you can quickly and conveniently assess your risks using Credit Assessment Scorecards.

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Assess Credit Risk with Confidence and Consistency

Key Benefits

Generate Scores Backed by Proven Credit Expertise

Assess Credit Risk with Confidence

Improve Consistency Across Credit Decisions

Broad Sector and Global Coverage

Support Governance and Regulatory Requirements

Flexible Implementation and Ongoing Support

Explore Our Scorecards by Sector

Corporate Scorecards Agriculture Automotive Chemicals Commodity Traders Consumer Products Digital Infrastructure Generic Corporate Metals & Mining Oil & Gas Real Estate SME Telecommunications Transportation Utilities and more.

Financial Institutions Banks Broker-Dealers Credit Unions Financial Market Infrastructure Financial Service Companies Insurance Multilateral Lending Institutions Non-Bank Financial Companies

Funds Alternative Investment Funds Asset Managers Capital Calls Mutual Funds Pension Funds

Specialized Lending & Real Estate Asset Finance Commercial Real Estate Project Finance Real Estate Asset Finance

Sovereign & Public Finance Education Providers Healthcare Local & Regional Governments PFAST (U.S. Public Finance Automated Scoring Tool) Social Housing Provider & Association Sovereigns Transportation Water & Sewage

Regulatory, ESG & LGD Basel IRB Support CECL ESG Credit Assessment IFRS 9 LGD

How We Help With Implementation

Excel Delivery Use Excel-based Scorecards within existing credit assessment and review processes.

S&P Capital IQ Pro Access supported Scorecards through Capital IQ designed to streamline assessment workflows.

API Integration Integrate supported Scorecards into internal systems and credit decisioning platforms through API delivery.

Credit Assessment Scorecards Brochure

Internal Credit Rating and Basel IV IRB Applications

Scorecards Case Studies

Related Content

S&P Capital IQ Pro FAQ

How does the solution support CECL and IFRS 9 loan loss provisioning? Relevant Scorecards can support credit risk inputs used in CECL and IFRS 9 impairment and expected credit loss workflows, including probability of default and loss given default analysis.

Can ESG factors be incorporated into credit risk analysis? Scorecards can support credit approval, underwriting, counterparty assessment, portfolio monitoring, investment analysis and internal risk reporting across rated and unrated entities.

Can Credit Assessment Scorecards be used for unrated companies? Yes. Credit Assessment Scorecards enable environmental, social and governance factors to be considered in a transparent and structured way as part of the regular credit assessment process.

Request Follow Up