Credit Scoring and Internal Rating

Manage Internal Credit Risk Rating

Axley Credit Analytics empowers lenders to make smarter, credit decisions through customizable scoring models, enabling real-time credit risk assessment. This results in reduced default rates and faster loan approvals while maintaining precision and compliance.

With Axley Credit Analytics, lenders can dynamically adjust scoring parameters based on borrower profiles, economic trends, and risk appetite. The solution offers tailored risk assessment frameworks, ensuring alignment with your lending policies and market requirements.

Financial Statement Spreading and Analysis

Automated spreading of financial statements from diverse formats (PDF, Excel, scanned reports) and multi-jurisdictional standards.
Standardizes data under multiple accounting frameworks (multi-GAAP support) for consistent risk analysis.
Calculates key financial ratios (liquidity, solvency, profitability) in real time, integrated into scoring and rating models.
Performs trend and variance analysis to identify early warning signals of financial deterioration.
Consolidates group-level data to provide a full counterparty risk profile across subsidiaries and entities.
Commercial value: Enables faster credit assessments with better risk visibility for analysts and relationship managers.

Credit Decisioning and Approvals Management

Configurable workflow engine that mirrors your credit policy, approval hierarchy, and risk tolerance levels.
Tracks the full lifecycle of credit requests from origination to final decision, ensuring end-to-end traceability.
Supports SLA monitoring to ensure decisions are made within defined timelines and reduce turnaround time.
Enables real-time collaboration between front office, risk, and credit committee teams with audit-ready logs.
Applies risk-adjusted pricing and limits based on automated scoring and financial analysis results.
Regulatory benefit: Enforces internal credit governance and supports supervisory review (e.g., ECB, local regulators).

Internal Credit Risk Ratings and Scoring

Implements IRB-compliant internal rating models for both borrower and facility levels, including override tracking.
Combines statistical models with expert judgment and qualitative risk drivers (e.g., sectoral risk, management quality).
Transparent scoring breakdowns allow users to understand, challenge, or override results with rationale.
Supports multiple models by segment (corporate, SME, retail, project finance), including hybrid or scorecard-based approaches.
Feeds ratings directly into provisioning (IFRS 9), capital (Basel III), and pricing engines.
Strategic impact: Enhances credit portfolio segmentation, pricing accuracy, and risk-adjusted return calculations.