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Credit analytics for financial services

The challenge

How do you prevent, protect and prosper?

One perspective on the current economic crisis is that many banks already had access to the data they needed to make sound investment decisions, but lacked an effective way to aggregate and understand it. While a lack of analytics and understanding of the "knock-on" impacts of industry-wide events helped create the crisis, better risk-based data analytics and business intelligence tools can help end it-and prevent its recurrence. Credit analytics for financial services can help banks become smarter about risk, understand industry-wide impacts, generate more revenue, build meaningful relationships and make more accurate lending decisions.

 


The solution

There is risk—and then there is smart risk

Credit analytics for financial services helps your enterprise be more instrumented, offering advanced technology and process support to help you make better credit risk decisions. The solution then helps your enterprise become more interconnected by incorporating Basel II standards and other regulatory requirements to help ensure compliance, as well as improve profitability and front-end and back-end performance. Finally, the solution helps you run a more intelligent enterprise with future-proofing tools, such as pandemic risk and high-impact event models, and unstructured data analysis tools. This capability can assess order of magnitude impacts on your financial institution. It can also help drive strategies for credit policy and lending during a crisis, taking into account the distressed environment.

 


The benefits

Risk management starts at the center

Credit analytics for financial services is one of the financial risk offerings from the IBM Risk Center of Excellence and Global Delivery Center, which delivers:

 


The specifics

A framework for risk management

Technologies within credit analytics for financial services can include:

 


 

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