CRISIL helps financial institutions around the world strengthen their credit risk infrastructure and enhance the credit quality of their portfolios.
CRISIL employs more than 1,200 qualified credit risk specialists with deep domain knowledge. This highly experienced team employs high-powered analytics, intelligent automation and other innovative technology to:
Independently review credit risk to evaluate the quality of lenders’ loan approval and risk monitoring;
Identify portfolio trends and high-risk sectors/obligors;
Recommend actions to improve portfolio quality;
Review the adequacy of and adherence to internal credit policies and loan administration procedures;
Meet all documentation and reporting requirements and achieve compliance with fast-changing credit oversight regulations;
Provide senior management with actionable insights on the overall quality of the loan portfolio.
CRISIL’s credit risk solutions support a broad range of portfolios, including corporates, financial institutions, public finance entities, structured finance, RMBS CRE/CLO, whole loans and ABS.
Solution Components
Independent Rating Review
Sampling methodology development
Independent credit analysis of identified samples
Portfolio Analytics
Gauge rating Migration
Track Rising Stars and Fallen Angels
Measure default/loss characteristics across rating grades
Impact assessment of credit events
Regulatory Documentation and Reporting
Standard Operating Procedures
Periodic rating review summary
CRISIL EDGE
Accelerated reporting of identified system deficiencies with corrective measures
High-conviction insights on industries and companies based on deep domain expertise
Proven data protection and compliance framework that mirrors clients’ in-house standards
Compliance with regulatory and statutory frameworks such as guidelines issues by FDIC, OCC and NCUA
Flexible engagement models scaled to client requirements
High-quality global talent pool with varied skill sets to enable best-fit staffing
Accelerated reporting of identified system deficiencies with corrective measures
High-conviction insights on industries and companies based on deep domain expertise
Proven data protection and compliance framework that mirrors clients’ in-house standards
Compliance with regulatory and statutory frameworks such as guidelines issues by FDIC, OCC and NCUA
Flexible engagement models scaled to client requirements
High-quality global talent pool with varied skill sets to enable best-fit staffing