Risk Rating Validation demo
Shows where the same kind of borrower gets a different grade, by lender, region and line, and why. 1:14
What the demo shows
A risk rating solution for credit officers that finds where similar borrowers get other grades.
Every night, six agents re-score every rated loan on the bank's own scorecard, pair each borrower with look-alikes in other regions and read the memo behind each grade; where like borrowers are graded apart, the officer sees the pair side by side, and a calibration note goes to a regional credit officer and the Chief Credit Officer, who decide.
Transcript
- Risk Rating Validation shows credit officers where similar borrowers get different grades.
- Today, that hides until the examiners pull a sample.
- Each trucking borrower, by coverage and leverage, colored by grade, over the bank's own scorecard.
- Two dots, near identical ratios, graded four by Brett Kalani in Denver, seven by Linda Ferraro in Omaha.
- Against the scorecard, Mountain lights up.
- 14 loans, 11 with one lender.
- Ridgeback's memo leans on the relationship in an old guarantor statement, 34 of 100.
- Six agents rescore the Mountain loans against lookalikes elsewhere.
- The note for committee, 12 regrades, two kept.
- Drift fixed this quarter before the examiners pull their sample.
- Built on Botminds: agents, data, screens, and governance on one platform.
Transcribed from the film’s narration. Captions are on the player.