Credit Assessment Scorecards
With Credit Markets Constantly Evolving, How Effectively Do You Manage Risk?
S&P Global Market Intelligence’s Credit Assessment Scorecards provide credit and investment management professionals with essential tools to identify and manage potential default risks of private, publicly-traded, rated, and unrated companies and government entities, across a wide range of sectors.
The Scorecards enable environmental, social, and governance (ESG) factors to be considered in credit risk analysis in a transparent and structured way, while working through the regular credit assessment process.
Key Features
Access Scorecard Numerical Scores
Generate numerical scores that are broadly aligned with S&P Global Ratings’ criteria and further supported by historical default data dating back to 1981.
Combine Qualitative and Quantitative Drivers
Point-in-time and forward-looking qualitative factors, along with converging trends, create a comprehensive picture of credit risk.
Utilize Broad Coverage
Get broad sector and geographic coverage with 70+ Scorecards*, including all major asset classes, governments, real estate, and project finance.
Apply Leading Benchmarks
Apply leading benchmarks with 140 industry and country risk scores.
Enhance Transparency and Engagement
ESG credit risk factors in the Scorecard framework help to enhance transparency and reporting, enabling a more rigorous integration of ESG considerations into fundamental credit analysis.
Sector Specific Scorecards
Project Finance Scorecards
Assess the credit risk of 100+ different infrastructure and industrial projects within the unrated universe with our off-the-shelf Scorecard solution.
Alternative Investment Funds Scorecard
Consistently measure and evaluate credit risks across Alternative Investment Funds (AIFs) that have different strategies and structures.
Bank Scorecard
Evaluate the adequacy of a bank’s risk framework through a process that considers a multitude of risk factors, weightings, benchmarks, and scoring algorithms.
Commercial Real Estate (CREST) Scorecard
The CREST Scorecard offers a single-source solution for CRE loan credit risk needs which consolidates Probability of Default (PD) and Loss Given Default (LGD) scoring for multiple property types.
Social Housing Provider and Association Scorecard (SHPA)
The SHPA Scorecard provides a valuable framework for assessing credit risk, using measures that can affect the likelihood of default.
Real Estate Asset Finance (REAF) Scorecard
The REAF Scorecard provides an objective and transparent framework for the analysis of real estate transactions, across a range of sectors and geographies.
Current Expected Credit Loss (CECL) Scorecard
The CECL Scorecard solution includes capabilities for: credit risk scoring, macroeconomic forecasts, and scenario/stress testing, helping you to efficiently meet your implementation strategies.
Credit Assessment Scorecards With ESG Credit Metrics
Assess ESG Factors in Credit Risk Analysis
Confidently assess ESG risks in credit risk analysis and review the materiality and impact of ESG factors, developments and issues on a counterparty’s credit profile via our general and sector-specific Scorecards.
ESG credit risk factors can be considered in several areas within the Bank and Corporate Scorecard framework, including management and governance, country and industry risk, competitive position and cash flow/leverage.
How We Help With Implementation
Comply with Regulation
Scorecards Case Studies
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Assess credit risk with confidence and consistency. Complete the form to learn how you can quickly and conveniently assess your risks using Credit Assessment Scorecards.