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Risk Advisor Product Overview | Reading Assessment Meters | How Screens Work
Moody's KMV Risk Advisor™ is easy-to-use and structured as a series of modules that become more specific as you proceed. Many modules conclude with a comprehensive assessment screen. It performs a dynamic analysis of the overall creditworthiness of a borrower, not simply a ratio analysis of financial statements nor a credit scoring based on an empirical default model. The analysis may change when new financial information becomes available for comparison. Interim financial statement analysis also detects changes in the credit risk, even when masked by seasonal factors.
These changes may be significant, or they may be subtle, revealing an early warning of developing problems that would be difficult to discern without Risk Advisor's analysis.
"[This product] has become the cornerstone of our new risk policy framework. Without its well-proven, embedded credit methodologies and its state-of-the-art system tools, implementing our new risk rating scale would have been impossible. It allows us to standardise our approach to credit risk analysis and provide senior management with the ability to understand the risks in our portfolio, and allows us to manage portfolio risks in the best way possible."
Sheldon Weatherstone, Project Leader
Export Development Canada
Moody's KMV Risk Advisor
- Provides a consistent framework for measuring credit risk.
- Contains an 11-year history of proven accuracy in risk rating.
- Enables benchmarking analysis through insightful peer comparisons.
- Gathers key assessments in a database for portfolio analysis and reporting.
- Helps identify the first signs of deterioration across the portfolio.
- Facilitates strategic portfolio positioning to achieve desired diversification and level of return.
- Includes easy-to-use maintenance and customization tools to meet changing credit risk management approaches.
- Focuses attention on key business issues using visual meters.
- Presents financial information (e.g., ratios, cash flow, projections) clearly and concisely.
- Provides an easy-to-use forecasting tool. Facilitates training and mentoring of credit analysts.
- Prevents oversight of important, yet less obvious, borrower strengths or weaknesses.
- Captures all analysis comments in an electronic file.
- Performs cross-references and data validation to identify inconsistencies and problem areas.
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