ProSight Risk Rating Solutions
Expert Judgment-Based Scorecards for Enhanced Credit Risk Management
Many banks use an internally developed single rating system to analyze the ability and willingness of a borrower to repay a loan. This system has proven to be a basic solution for banks, as most don’t have the resources to develop a more advanced, custom dual risk rating system.
Up until now, affordable commercial dual risk rating scorecards have not been available. ProSight Risk Rating Solutions enable banks to evaluate both the borrower and the loan to achieve greater granularity in quantifying and managing credit risk.
ProSight offers a fully integrated LOS solution for its risk rating solution.
Why Are Banks Moving to ProSight Risk Rating Solutions?
Affordable
Yearly subscriptions that are more cost-effective than other similar tools.
Built by Bankers
Our member banks’ vast pool of knowledge was consulted while building this tool.
Adaptable
Flexible deployment options available. ProSight-hosted web-based platform or embedded in your third-party commercial lending software.
Intelligent Insights
Complete portfolio reports on risk concentrations and the ability to benchmark with other banks.
Advantages of Dual Risk Rating:
- Increases consistency, transparency, and objectivity in the rating process.
- Offers a more defensible method to evaluate risk as regulatory scrutiny increases.
- Enhances portfolio management by quantifying credit loss.
- Improves risk and return calculations.
- Provides additional options for CECL.
The Scorecards:
- C&I
- CRE Income Producing
- CRE Construction
- Real Estate Project Finance
- Homebuilder
- High Net Worth Individual
- Small Business
- Public Debt Rated
- General
- Facility/Loss Given Default
Speak to Our Experts About Your Needs and How We Can Help You and Your Institution
As a 15+ year veteran utilizing dual risk rating systems at both large and small banks, I believe without reservation that RMA’s product is a premier solution.
CCO, $2Bn bank
RMA’s streamline dual risk rating solution is integrated to the nCino platform helping banks and credit unions improve their efficiency while providing accurate risk ratings to better understand the risk in their portfolios.
Director at nCino
Helping Leaders Act with Confidence
Together as ProSight, BAI and RMA offer industry-leading peer sharing & collaboration, thought leadership, learning & development, and decision support solutions.
