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Underwriting and decisioning solutions

Gaps in data, inconsistent risk analysis, disconnected systems, and time-consuming manual tasks are hurdles commonly faced during the underwriting process. These challenges can lead to inadequate risk assessment, delayed decisions and lost opportunities.

Moody’s Lending Suite underwriting and decisioning solutions can enhance bank underwriting by filling data gaps, providing consistent risk analysis, integrating disjointed systems, and reducing time-consuming manual tasks. This results in a streamlined workflow, improved risk management, and expedited decision-making, thereby increasing both efficiency and accuracy.

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How can we help?

Expertly balance risk management and ambitious growth with our underwriting and decisioning solution.

01
Data-driven decisions

Leverage Moody’s models, scorecards, and rich content to make informed, high-quality credit decisions based on quantitative and qualitative analyses

02
Improved customer experience

Improve the experience for both lender and borrower with a seamless and intuitive process designed by lenders, with practicality and ease in mind. 

03
Strategic business growth

A holistic view into borrower risk helps you quickly identify bad credit decisions while uncovering valuable opportunities for growth.

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Speak to our team today

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Key features

01 Deal structuring

Deal structuring

Our system's integrated financial templates and analytics offer a powerful tool for structuring deals. Not only does it streamline the process, but it also allows for competitive and efficient deal structuring. This can be a game changer when it comes to enhancing your bank's lending capabilities. For instance, banks can swiftly analyze and structure a variety of deal types, thereby saving valuable time and resources.

02 Automated credit memo

Automated credit memo

GenAI's ability to extract and synthesize relevant information from disparate sources is a significant advantage. Reduce the time spent building a credit memo, a task that can often be time-consuming and complex. With a simple click, you can generate a comprehensive credit memo, which you can then review and edit as needed. This automation can free up your team's time to focus on other critical tasks, enhancing overall productivity.

03 Loan conditions and policy expectations

Loan conditions and policy expectations

The platform's configurable workflow and automated system are designed to adapt to your bank's specific loan conditions and policy expectations. This feature promotes operational efficiency and policy adherence, which are key to maintaining a bank's reputation and customer trust. Banks can ensure that their loan processes align with their policies, thereby reducing the risk of policy breaches and enhancing operational efficiency.

Deal structuring

Our system's integrated financial templates and analytics offer a powerful tool for structuring deals. Not only does it streamline the process, but it also allows for competitive and efficient deal structuring. This can be a game changer when it comes to enhancing your bank's lending capabilities. For instance, banks can swiftly analyze and structure a variety of deal types, thereby saving valuable time and resources.

Automated credit memo

GenAI's ability to extract and synthesize relevant information from disparate sources is a significant advantage. Reduce the time spent building a credit memo, a task that can often be time-consuming and complex. With a simple click, you can generate a comprehensive credit memo, which you can then review and edit as needed. This automation can free up your team's time to focus on other critical tasks, enhancing overall productivity.

Loan conditions and policy expectations

The platform's configurable workflow and automated system are designed to adapt to your bank's specific loan conditions and policy expectations. This feature promotes operational efficiency and policy adherence, which are key to maintaining a bank's reputation and customer trust. Banks can ensure that their loan processes align with their policies, thereby reducing the risk of policy breaches and enhancing operational efficiency.

News and views

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Moody's
The changing face of credit portfolio management at banks

Faced with huge increases in capital charges in the coming months, banks will turn to credit portfolio management to support business decisions on origination, capital allocation and risk transfer.

  • Banking
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Moody's
Regulatory News: US regulators release stress test scenarios for banks

The U.S. regulators recently released baseline and severely adverse scenarios, along with other details, for stress testing the banks in 2024.

  • Banking
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Moody's Ratings
Survey of US banks’ commercial real estate finds rollover, credit and monitoring risks

Asset risk is rising in commercial real estate (CRE) portfolios, increasing the likelihood of credit losses for US banks, which provide over 50% of US CRE debt financing. To more fully assess CRE risks, in June we surveyed 55 rated US banks on their CRE loan portfolios.

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The Moody’s difference

Moody’s brings together the best of data, experience and best practice capabilities, with our specialized and agile intelligence, to empower organizations like yours to have the confidence to act on plans.

Guidance and training

Leveraging our long history in risk expertise, our expansive resources, and an innovative application of technology, we offer a wide range of immersive training programs for retail and commercial bankers.

Expertise

We’ve been a trusted collaborator for financial institutions for over 100 years.

Intelligence

We have more data and better insights than our competitors – from private and public financial statements, to award-winning models, economic scenarios to Climate and ESG data.

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Speak to our team

Interested in learning more about our offerings? Our solutions specialists are ready to help.