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Internal Credit Rating demo

Turns issuer financials into a credit review and internal rating, routed for committee sign-off 1:34

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What the demo shows

Turns issuer financials into a credit review and internal rating, routed for committee sign-off

A clean home shows each person four numbers and their next step. Every issuer opens to its rating ladder: AAA to D down the center, with the scorecard rating, the analyst's proposal, last year's rating, the three agencies and the peer median on it, and each notch adjustment drawn as a labeled arrow with its reason and source page. Seven agents do the reading: the Intake agent opens annual and event reviews; the Spreading agent spreads filings in any language, citing every value; the Scorecard agent applies the approved methodology; the Peer agent places the issuer among peers; the Divergence agent stops any rating two or more notches from the agencies and drafts a cited reason; the Challenge agent drafts the independent reviewer's questions; the File agent writes the memo and minutes and answers SEC, NAIC and Central Bank requests from the file, gaps first. The analyst proposes, a reviewer from another team challenges, the committee chair signs, and the CRO approves methodology changes after Model Risk validates them.

Transcript

  1. Internal Credit Rating gives buy-side credit teams a cited rating for every issuer.
  2. In 2019, the SEC found money-fund credit files missing required factors.
  3. Seven agents' Spread filings apply the methodology and place each issuer among peers.
  4. Or in Freight Lines, eight weighted factors, each cited, ScoreBB.
  5. The analyst takes one notch off.
  6. A single client is 38% of revenue.
  7. Agencies sit at BBB minus.
  8. The divergence agent flags three notches and drafts a reason.
  9. The analyst approves. A reviewer from another team challenges, gets the exit clause, and accepts.
  10. Chair Linda Park signs BB minus on October 14th.
  11. When the SEC or NAIC asks, Agents build the pack gaps first.
  12. Every value cited. Every decision signed by another person.
  13. Every step logged. The result.
  14. Every two-notch split explained before committee.
  15. Every issuer reviewed yearly.
  16. Built on Botminds.
  17. Agents, data, screens, and governance on one platform.

Transcribed from the film’s narration. Captions are on the player.