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features
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support

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Description

The CreditLens platform from Moody’s Analytics empowers financial organizations to enhance their commercial lending strategies by promoting greater speed and efficiency in their processes. Its cutting-edge technology facilitates uniform data spreading, which supports comprehensive analytics, such as portfolio comparison and benchmarking that improve risk assessments. Users can tap into robust financial evaluations that generate dual risk rating models, or customize rating models to align with their specific internal credit standards and risk assessment criteria. Additionally, refine your risk evaluations through relationship hierarchies either created within CreditLens or imported from your CRM systems, allowing for extensive modeling across various risk entities, relationships, and hierarchies. The platform also incorporates business rules to reduce errors and boost data accuracy, guiding users through the credit risk assessment process in line with established banking policies. Furthermore, it provides options for data auditability, deal approval structures, conditions precedent, and adherence to covenants, ensuring compliance with both internal and external policies. Ultimately, CreditLens stands as a comprehensive tool designed to optimize the lending process while ensuring thorough risk management practices.

Description

The challenges posed by bad debts are more pronounced for SME loans compared to other retail financing options. To tackle these issues, it is essential to leverage skilled resources effectively, and no organization does this better than Scorto. There is a pressing need to lower operational costs associated with SME loans while simultaneously enhancing operational efficiency. In light of the intense competition within the SME market, it is crucial to continually refine credit strategies and accurately measure performance. A thorough financial analysis of potential borrowers' businesses is necessary, along with the automation of the SME loan application process. Implementing risk-based pricing is vital, as is conducting comprehensive credit risk assessments throughout the entire loan lifecycle. Companies must also focus on scoring, rating, and segmenting their clients. Additionally, evaluating payment dynamics and assessing credit risk involves estimating crucial parameters such as Probability of Default (PD), Exposure at Default (EAD), and Loss Given Default (LGD), which are necessary for calculating Risk-Weighted Assets (RWA) as per Basel II guidelines. Furthermore, tools for supporting Cross-Sell and Up-Sell decisions should be integrated, along with effective Business Rules and Process Management for SME lending. Regularly automated re-evaluation of default risk and key financial ratios is essential for an accurate analysis of SMEs. This comprehensive approach not only mitigates risk but also fosters growth and stability in the SME lending landscape.

API Access

Has API

API Access

Has API

Screenshots View All

Screenshots View All

Integrations

Gentics
Microsoft 365
Microsoft Excel

Integrations

Gentics
Microsoft 365
Microsoft Excel

Pricing Details

No price information available.
Free Trial
Free Version

Pricing Details

No price information available.
Free Trial
Free Version

Deployment

Web-Based
On-Premises
iPhone App
iPad App
Android App
Windows
Mac
Linux
Chromebook

Deployment

Web-Based
On-Premises
iPhone App
iPad App
Android App
Windows
Mac
Linux
Chromebook

Customer Support

Business Hours
Live Rep (24/7)
Online Support

Customer Support

Business Hours
Live Rep (24/7)
Online Support

Types of Training

Training Docs
Webinars
Live Training (Online)
In Person

Types of Training

Training Docs
Webinars
Live Training (Online)
In Person

Vendor Details

Company Name

Moody's Analytics

Founded

2007

Country

United States

Website

www.moodysanalytics.com/product-list/creditlens

Vendor Details

Company Name

Scorto

Founded

2001

Country

United States

Website

scorto.com/loan-manager-sme/

Product Features

Financial Risk Management

Compliance Management
Credit Risk Management
For Hedge Funds
Liquidity Analysis
Loan Portfolio Management
Market Risk Management
Operational Risk Management
Portfolio Management
Portfolio Modeling
Risk Analytics Benchmarks
Stress Tests
Value At Risk Calculation

Product Features

Commercial Loan

Asset Management
Audit Trail
Complex Debt Structures
Dashboard
Document Management
Exposure Management
Lead Management
Pipeline Management
Risk Management
Trend Analysis

Loan Servicing

Accounting Management
Amortization Schedule
Application Management
Auto Loans
Automatic Funds Distribution
Business Loans
Collateral Tracking
Collections Management
Compliance Management
Construction Loans
Customer Database
Fee Management
Investor Management
Loan Processing
Student Loans

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