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HOME > Client Solutions > Products > Credit & Risk > Credit Assessment Scorecards
Credit Assessment Scorecards

S&P Global Market Intelligence’s Credit Assessment Scorecards provide credit and risk management professionals with the essential tools needed to identify and manage potential default risks of private, publicly traded, rated and unrated companies (obligors) of any size, across a multitude of sectors.

Overview

Credit markets are volatile. Regulations are ever-evolving, and it is your job to manage this risk – and it is a big job that is only getting bigger. Now, you are challenged to not only effectively assess creditworthiness, meet regulatory requirements, and limit losses, but also grow revenue by quickly and efficiently doing this risk analysis. The credit workflow process needs to be fast, while simultaneously keeping out as many potential defaults. It is like walking a high-wire every day.

S&P Global Market Intelligence’s Credit Assessment Scorecards provide the framework you need to do just that, especially for “Low Default” portfolios that, by definition, lack the extensive internal default data necessary for the construction of statistical models that can be robustly calibrated and validated.

S&P Global Market Intelligence’s Credit Assessment Scorecards integrate both quantitative and qualitative factors to give you the full picture of your risk exposure. With our Scorecards, you can:

  • Combine point-in-time factors with forward-looking qualitative factors, converging trends, and relationships between key drivers
  • Generate numerical scores that are broadly aligned with S&P Global Ratings’ criteria and further supported by historical default data dating back to 1981
  • Take advantage of our easy-to-use Excel plug-in to integrate our content and your own proprietary risk rating data
  • Get broad sector and geographic coverage with over 30 Scorecards, including all major asset classes, governments, real estate, and project finance

Confidently Assess Creditworthiness with Scorecards

Key Features



Confidence
Get added confidence in your decision-making with broad sector and geographic coverage. Access over 30 Scorecards for all major asset classes, governments, real estate and project finance. Rely on leading benchmarks, including over 90 Industry and Country Risk scores.
Consistency
Consistently assess creditworthiness, focusing on the key risk factors most predictive of default risk. Scorecards’ standardized structure allow for replicability year-to-year, analyst-to-analyst, and numerical outputs are broadly aligned with S&P Global Market Intelligence’s credit model scores, supported by historical default data dating back to 1981, and can be adapted to your own internal scale.
Convenience
Make analysis easy, fast, and convenient. Key features include the ability to automate the spreading of financial ratio data using the Excel "plug-in” feature, transparent and in-depth model development and maintenance documentation to help meet regulatory requirements, seamless annual updates, the ability to deploy quickly, and extensive training for each Scorecard we offer.

Key Features



Confidence
Get added confidence in your decision-making with broad sector and geographic coverage. Access over 30 Scorecards for all major asset classes, governments, real estate and project finance. Rely on leading benchmarks, including over 90 Industry and Country Risk scores.
Consistency
Consistently assess creditworthiness, focusing on the key risk factors most predictive of default risk. Scorecards’ standardized structure allow for replicability year-to-year, analyst-to-analyst, and numerical outputs are broadly aligned with S&P Global Market Intelligence’s credit model scores, supported by historical default data dating back to 1981, and can be adapted to your own internal scale.
Convenience
Make analysis easy, fast, and convenient. Key features include the ability to automate the spreading of financial ratio data using the Excel "plug-in” feature, transparent and in-depth model development and maintenance documentation to help meet regulatory requirements, seamless annual updates, the ability to deploy quickly, and extensive training for each Scorecard we offer.

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