Worldwide Contacts

If you don't find your country in the list, see our worldwide contacts in:

Africa | Asia/Pacific | Europe | Latin America & Caribbean | Middle East | North America

Banking / Credit Risk Management

Credit Risk Management

Regain confidence through better optimization of risk-adjusted pricing and returns

The flow of credit in global financial markets slowed from a glacial pace to a virtual standstill. And credit markets have threatened to stay that way despite immense amounts of cash being pumped in by governments and central banks around the world.

But today, there are signs that the worst may be over and that a recovery may be imminent. What will it take for banks to regain enough confidence in the financial system to get credit markets moving smoothly – without risking another financial breakdown? Better credit risk management practices are essential. SAS® can help.

How SAS® Can Help

With confidence in credit markets at an all-time low, it is critical for banks to engage in better credit risk management practices that can optimize risk-adjusted pricing and returns throughout the organization. With SAS, you can:

  • Access and aggregate credit data across disparate systems and sources.
  • Seamlessly integrate credit scoring/internal rating processes with your overall credit portfolio risk assessment.
  • Accurately forecast, measure, monitor and report potential credit risk exposures across the entire organization on both counterparty and portfolio levels, allowing seamless integration of credit scoring with credit risk.
  • Evaluate alternative strategies for pricing, hedging or transferring credit risk.
  • Optimize allocation of regulatory capital and economic capital.
  • Meet the reporting and risk disclosure requirements of regulators and investors for a wide variety of regulations, such as Basel II.
  • Manage the entire life cycle of a loan from origination, to servicing, to collection/recovery.

How SAS® Is Different

The SAS approach to risk management offers a more complete, end-to-end solution that integrates data aggregation, analytics and reporting within a transparent framework. With SAS, you get:

  • An open, extensible environment with complete capabilities for retail credit scoring, corporate credit rating and credit portfolio risk management.
  • A robust risk engine that offers in-depth modeling and the analytical capabilities necessary for developing a propriety and market-differentiating economic capital model.
  • The flexibility to anticipate future modeling methodologies and regulatory changes.
  • Complete transparency and auditability, which facilitates supervisory review – internally, by rating agencies and by regulators – as required by Basel II and other regulations.
  • Award-winning predictive analytics that can help you analyze and determine the best course of action for "toxic" (illiquid) assets.
  • An integrated, firmwide risk management environment that provides a consolidated view of all types of risks (credit, market, counterparty and liquidity) to help you maintain the profitability and health of the firm.

Ready to learn more?

Call us at 1-800-727-0025 (US and Canada) or request more information.