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Credit Risk Rating Software

We understand that managing credit risk is an essential part of running a financial institution. That’s why we developed the Credit Risk Rating Software feature of our Square 1 Credit Suite platform.

 

The Credit Risk Rating Software is a powerful tool that allows financial institutions to standardize and justify their risk ratings using a combination of objective and subjective measures. This feature is designed to streamline loan management processes and maximize returns for the institution.

 

Some key features of the Credit Risk Rating Software include:

 

  • Configurable risk rating system: This feature allows institutions to configure their risk rating system with the flexibility to have an unlimited number of measures, variations by industry, and/or weighted ratings.
  • Presentation of risk rating factors: Institutions can include the factors behind a borrower’s risk rating in their presentations to loan committees for approval.
  • Portfolio reports: The Credit Risk Rating Software includes portfolio reports that show changes in risk ratings and segments of customers with different ratings and associated loan balances.
  • Dual risk rating: This feature allows institutions to identify both borrower-level and loan-level risk ratings, providing a more comprehensive view of credit risk.

 

By using the Credit Risk Rating Software from Suntell, financial institutions can:

  • Streamline their loan management processes: The Credit Risk Rating Software helps institutions to standardize and justify their risk ratings, enabling them to make more informed lending decisions and streamline their workflow.
  • Maximize returns: By focusing on loans with lower risk ratings, institutions can maximize their returns while minimizing risk.
  • Monitor credit risk over time: The portfolio reports included in this feature allow institutions to monitor changes in risk ratings over time, helping them to identify trends and patterns and focus on the areas that need the most attention.

 

Overall, the Credit Risk Rating Software is a valuable tool for financial institutions looking to effectively manage credit risk and make informed lending decisions. We believe it is an essential component of any comprehensive credit risk management program, and we are confident that it can provide significant value to our customers.

Suntell surpassed our expectations. Not only with their software, but with their customer service as well. The rule of thumb I always ask myself after a software installation is, ‘would I make the same decision again,’ and in this case there is no doubt whatsoever, we definitely made the right decision.

Trisha L Vice President Agriculture and Commercial Lending
Beacon Credit Union

    Identify

    Ensure credit-granting is in line with your institution’s credit risk strategy with an in-depth credit analysis of your borrowers.

    Measure

    Quantify the credit risk on and off the balance sheet with ratios, custom measures and scoring.

    Monitor

    Keep a pulse on credit risk over time by viewing changes in risk ratings.

    Control

    Integrate your analyses seamlessly with loan committee presentations and the approval process.

    Customer-Reported Results

    1 %

    of our customers experienced improved asset quality

    1 %

    of our customers reported improved ROA

    1 %

    of our customers experienced improved efficiency

    1 %

    of our customers reported we had helpful customer support 

    Comprehensive credit risk management solution 

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