In today’s hyper-competitive and volatile market, Insurers are being asked to do more, more quickly, and with limited resources. Our tools can help you act quickly to manage your exposures and minimize potential losses.
To accelerate growth, insurance professionals need to understand unpredictable market conditions and act quickly to manage exposures and minimize potential losses. Today there is pressure to do more faster than ever before – and with limited resources – yet there are many challenges, including:
Inadequate financial data for small- and medium-sized enterprises (SMEs).
Limited experience building internal credit risk models.
Lack of effective portfolio benchmarking across regions and sectors.
Inconsistent model outputs (Credit scores, Pass/Fail, Good/Fair/Poor, and 2.4156%)
A patchwork of platforms and workflow tools for underwriting teams.
NAVIGATE THE INSURANCE UNDERWRITING CHALLENGES WITH CREDIT RISK MANAGEMENT SOLUTIONS
Using credit ratings only or simply monitoring counterparty financials, sentiment from news, and board/executive changes is no longer sufficient. A best-in-class approach considers a much broader set of data and draws upon a range of models and alerting capabilities to get it right. Capitalize on opportunities within new markets with innovative workflow tools and expansive data that help you easily assess the credit risk profile of public and private, rated and unrated companies – including small- and medium-sized entities, worldwide.
Standardized Data and Methodology
Process and Automation
Further Key Risk Management
Assessing potential defaults of private, publicly traded, rated, and unrated companies across a multitude of sectors can be especially challenging when there is little default history available to train models.
Credit Assessment Scorecards provide an industry-leading methodology that ensures consistency across analysts and regions by combining qualitative and quantitative factors to offer:
Credit quality is expected to continue to deteriorate in 2024, especially impacting counterparties at the lower end of the ratings scale.
RiskGaugeTM, part of the Credit Analytics suite of models, enables users to easily assess credit risk, delivering:
In a world of transition, tracking the evolving economic outlook is critical.
Economics and Country Risk provides a clear 360-degree perspective that brings global risks into focus, providing:
Managing downside risk in a timely manner is especially challenging for insurance professionals during periods of heightened market volatility.
Early Warning Signals (EWS), powered by RiskGauge, is designed to pinpoint entities that may default, showing:
Insurance professionals need efficiency tools that enable faster, more accurate analysis to eliminate the time-consuming process of manually inputting financial statement data into their tools.
ProSpread™ automatically extracts and spreads relevant data from PDF financial statements by leveraging Natural Language Processing combined with Optical Character Recognition, providing:
Top-notch training has become critical to lay the right foundation for learning complex workflows that are essential in today’s competitive and volatile market.
Credit Learning Path supports on-demand training and development for credit risk specialists, providing:
The S&P Capital IQ Pro platform provides sector-specific data that allows you to quickly and reliably underwrite companies worldwide with data that’s extensively vetted and standardized across countries and industries. Detailed data ranging from our People dataset, to equity price changes and asset quality, are all offered on a single platform. Access to the S&P Capital IQ Pro platform allows you to:
Analyze peer-pricing factors that give your company a competitive outlook. Discover specific personal lines programs written by cedents allowing you to get a clear view of the industry.
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If your company has a current subscription for S&P Capital IQ Pro, you can register as a new user for access to the platform(s) covered by your license at S&P Capital IQ Pro or S&P Capital IQ
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