The Risk Assessment Model (RAM) facilitates credit risk appraisal of a borrower through a judicious mix of objective and subjective methodologies and acts as a comprehensive database for borrower’s rating information. RAM is the largest deployed internal risk rating solution in India.
The Risk Assessment Model offers:
Workflow based internal risk rating process for a borrower
Facilitates industry risk assessment and supports integration of external industry data feeds
Facilitates integration with Customer Relationship Management Systems, Loan Origination Systems and Core Banking Systems for exchange of data
Facilitates periodic / Ad-hoc review of borrower’s risk rating
Standardisation and automation, ensuring a robust rating process
Two-dimensional rating approach (borrower & facility rating) as per regulatory guidelines
Estimation of probability of default by generating transition matrix
Capturing relevant default, loss and recovery data for loss given default and exposure at default estimation
Facilitates risk-based pricing and estimation of risk-adjusted return on capital
Ability to host multiple models, including bank's existing rating models
Facilitates Financial Spreading including automated ratio calculations
Enables generation of projected financials and assess its impact on rating of the borrower
Enables calculation of Risk Adjusted Pricing
Technology features
Graphical user interface-based parameterisation
Centralised data management
Rating process workflow customisation as per institution's
credit process
Flexibility to configure and customize workflows to suit specific business requirements
Value-added features
Enables validation of rating models through certain built-in statistical approaches
Audit trail of rating changes
Ability to develop institutional knowledge via access to scores of all rated companies
Ability to host our standard off-the-shelf, customised or institution’s internally developed rating model
Ability to customise financial data templates basis business requirements