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.
Accelerate decision-making and business growth with Moody’s Automated Credit Memo - winner of the Business Lending Innovation Award at the 2024 Fintech Breakthrough Awards.
Banks produce thousands of credit memos a year and underwriters can spend hours compiling all the necessary information for just one.
This tedious and time-consuming work slows down the process and limits your capacity to process other loans and focus on more strategic underwriting tasks. Moody’s Automated Credit Memo alleviates this bottleneck by delivering a written, comprehensive credit memo to you for review and approval.
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.
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.
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.
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.
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.
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.
Stay on top of the latest standards, rules, and regulations to keep your bank ahead of the curve.
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.
The U.S. regulators recently released baseline and severely adverse scenarios, along with other details, for stress testing the banks in 2024.
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.
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.
Interested in learning more about our offerings? Our solutions specialists are ready to help.
