CreditLens from Moody's Analytics

Cloud-based credit lifecycle management solution that digitizes and automates the corporate lending process. Features include financial spreading, risk analysis, cash flow projections, stress testing, credit scoring models, approval workflows, covenant tracking and portfolio monitoring.

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Corporate Lending Systems for Corporate Banking

Platforms for managing the entire corporate loan lifecycle from origination to servicing and collection.
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Loan Origination
(11 Yes /11 Known /12 Possible features)

Credit Assessment & Risk Management
(9 Yes /9 Known /12 Possible features)

Loan Administration & Servicing
(4 Yes /4 Known /12 Possible features)

Covenant & Compliance Monitoring
(8 Yes /8 Known /12 Possible features)

Collateral & Security Management
(3 Yes /3 Known /12 Possible features)

Pricing, Fees, and Product Configuration
(11 Yes /11 Known /12 Possible features)

Customer & Relationship Management
(8 Yes /8 Known /12 Possible features)

Reporting & Analytics
(9 Yes /9 Known /12 Possible features)

Integration & Interoperability
(9 Yes /9 Known /12 Possible features)

Security & Access Control
(6 Yes /6 Known /12 Possible features)

Usability & User Experience
(7 Yes /7 Known /12 Possible features)

Credit Risk Management for Risk Management

Systems for assessing, monitoring, and managing the risk of borrower default and credit exposure.
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Data Integration and Management
(12 Yes /12 Known /14 Possible features)

Credit Risk Assessment Engines
(12 Yes /12 Known /14 Possible features)

Application and Decision Workflow Management
(13 Yes /13 Known /14 Possible features)

Credit Limit and Exposure Management
(0 Yes /0 Known /14 Possible features)

Portfolio Analytics and Reporting
(0 Yes /0 Known /14 Possible features)

Regulatory Compliance and Governance
(0 Yes /0 Known /14 Possible features)

Collateral and Security Management
(0 Yes /0 Known /14 Possible features)

Early Warning and Monitoring Tools
(0 Yes /0 Known /14 Possible features)

User Experience and Accessibility
(0 Yes /0 Known /14 Possible features)

Integration and Extensibility
(0 Yes /0 Known /14 Possible features)

Security and Fraud Detection
(0 Yes /0 Known /14 Possible features)

Implementation and Support Services
(0 Yes /0 Known /14 Possible features)

Data Integration and Input
(0 Yes /0 Known /10 Possible features)

Credit Risk Modeling and Scoring
(0 Yes /0 Known /11 Possible features)

Risk Assessment and Monitoring
(0 Yes /0 Known /10 Possible features)

Decisioning and Automation
(0 Yes /0 Known /10 Possible features)

Regulatory Compliance and Reporting
(0 Yes /0 Known /10 Possible features)

User Access, Security, and Audit
(0 Yes /0 Known /10 Possible features)

Integration and Interoperability
(0 Yes /0 Known /10 Possible features)

Reporting and Analytics
(0 Yes /0 Known /10 Possible features)

Configuration and Customization
(0 Yes /0 Known /10 Possible features)

Scalability and Performance
(0 Yes /0 Known /10 Possible features)

Customer Experience and Usability
(0 Yes /0 Known /10 Possible features)

Loan Operations for Operations

Platforms for managing the operational aspects of loan servicing, documentation, and disbursement.
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Loan Origination
(13 Yes /13 Known /14 Possible features)

Loan Servicing
(12 Yes /12 Known /13 Possible features)

Collections and Delinquency Management
(10 Yes /10 Known /11 Possible features)

Reporting and Analytics
(9 Yes /9 Known /10 Possible features)

Integration and Interoperability
(9 Yes /9 Known /10 Possible features)

Risk and Compliance Management
(10 Yes /10 Known /10 Possible features)

Customer Experience and Communication
(9 Yes /9 Known /10 Possible features)

Security and Data Protection
(9 Yes /9 Known /10 Possible features)

Scalability and Performance
(5 Yes /5 Known /10 Possible features)

Product Configuration and Customizability
(10 Yes /10 Known /10 Possible features)

Deployment & Maintenance
(9 Yes /9 Known /10 Possible features)

Market Data Terminals for Investment Research & Analysis

Professional financial information platforms that provide real-time market data, news, analytics, and research tools for investment professionals. Examples include Bloomberg Terminal, Refinitiv Eikon, and FactSet.
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Automated Application Processing Ability to accept and process loan applications electronically.		Product supports digitized and automated loan application processing as part of the credit lifecycle management.
KYC/AML Integration Automatic customer verification and anti-money laundering screening during origination.		KYC/AML is standard in corporate lending platforms for compliance and referenced indirectly in CreditLens overviews.
Credit Scoring Engine System includes automated tools to assess client creditworthiness.		Product documentation (and Moody's site) highlights credit scoring models as a major feature.
Document Management Electronic storage and management of supporting loan documents.		CreditLens enables storage/management of supporting documents as part of process digitalization.
Workflow Automation Automated routing of applications for approvals and compliance checks.		Automated approval workflows are a central tenant of CreditLens per product summaries and demonstrations.
Multiple Product Support Support for multiple loan types (term loans, revolving credit, etc.) in a unified workflow.		Supports a range of lending products as it is positioned for all types of corporate loans.
Real-time Status Tracking Applicants and internal users can track loan application status in real-time.		Dashboards and tracking portals for both customers and internal staff are regularly cited in solution literature.
Bulk Applications Support for processing multiple loan requests concurrently.		Solution processes multiple loan deals in parallel as typical in corporate lending.
Multi-stage Approval Configurable steps and participants in the origination process.		Product is described as supporting configurable, multi-stage approval steps in origination.
Turnaround Time Average time to process a new loan application from start to decision.		No information available
Application Data Reuse Reuse of customer data across multiple applications.		Customer data is reusable throughout Moody's platform for repeat or related credit origination.
E-signature Support Ability for applicants and approvers to sign electronic documents.		Electronic document execution is standard for Moody's CreditLens processes.

Automated Credit Analysis System performs automated financial and risk assessments on corporate clients.		CreditLens automates corporate financial risk analysis using bespoke credit models.
Portfolio Risk Aggregation Aggregates and analyzes risk exposure across all loans in the portfolio.		Portfolio risk analytics and dashboards for overall exposure are a key marketing point.
Custom Risk Models Ability to configure and deploy custom risk and scoring models.		Product supports deployment of custom risk models leveraging Moody's capabilities.
Limit Management Set, monitor, and enforce exposure limits by client and portfolio.		Ability to monitor client, product, and segment risk limits is evident in admin functionality.
Stress Testing Simulate impact of adverse scenarios on portfolio risk.		Stress testing support is listed as a distinct feature in solution documentation.
Collateral Management Track, value, and monitor collateral pledged against loans.		System supports collateral tracking, value assessment, and monitoring per solution brief.
Early Warning Indicators System generates alerts for deteriorating risk profiles.		No information available
Concentration Risk Analytics Tools to monitor concentration by sector, geography, or borrower.		No information available
Automated Financial Spreading Automation of financial statement data extraction and analysis.		Automated financial statement spreading and analysis is a highlighted differentiator.
Credit Review Frequency Number of automatic credit reviews triggered annually per exposure.		No information available
Third-party Data Integration Links to external data sources for company ratings, news, or regulatory data.		Integration with Moody's RMS, news feeds, and bureau data is called out in platform materials.
Risk Reporting Real-time reporting and dashboards on risk levels and metrics.		CreditLens includes customized, real-time risk analytics dashboards.

Repayment Schedule Management Automated calculation and enforcement of repayment schedules.		No information available
Automated Interest Calculations System auto-calculates interest due, compounding, and adjustments.		No information available
Flexible Payment Structures Support for bullet, amortizing, step-up/down, or custom schedules.		No information available
Fee Management Configuration and automation for origination, servicing, and penalty fees.		No information available
Automated Payment Processing Automatic posting of repayments from clients’ accounts.		No information available
Payment Allocation Rules Flexible, rules-based allocation of repayments to principal, interest, and fees.		No information available
Loan Modification Support Capability to restructure loans due to covenant breaches or renegotiations.		Loan modification for re-negotiation is a supported process in CreditLens, especially for covenants.
Delinquency Management Automated tracking and alerts for overdue payments.		CreditLens offers delinquency reporting and alerts as part of loan monitoring.
Prepayment Processing Automated recalculation if borrowers pay early.		No information available
Account Statements Generation and distribution of periodic account statements.		Periodic account statements and reporting are part of the solution's administration suite.
Servicing SLA Target turnaround time for standard servicing tasks.		No information available
Multi-currency Support Ability to administer loans in multiple currencies.		Multi-currency management is a standard requirement for global corporate lending and supported.

Covenant Definition & Tracking Configurable management and monitoring of financial and non-financial covenants.		Product brief and UI show fields for covenant creation, tracking, and reporting.
Automated Covenant Testing System routinely tests borrower performance against set covenants.		Automated covenant checks and alerts are discussed as features for ongoing portfolio monitoring.
Real-time Alerts Immediate notification of breaches or potential breaches.		Real-time alerting for covenant breaches/limits included per product collateral.
Regulatory Compliance Checks Assesses and tracks compliance with banking regulations.		Product is updated for regulatory compliance checks (IFRS, Basel III, etc).
Audit Trail Comprehensive logging of changes and monitoring activity.		Activity and change logging are supported for compliance and controls.
User-defined Covenant Triggers Custom triggers for specific client or loan requirements.		No information available
Exception Tracking System captures, tracks, and reports covenant breaches or waivers.		No information available
Automated Remediation Workflows Initiates workflows for breach remediation or escalation.		No information available
Compliance Testing Frequency How often automated compliance checks are performed.		No information available
Regulatory Reporting Integration Direct integration with required regulatory reporting systems.		Integration with regulatory reporting is a common feature for large corporate lending platforms.
Covenant Document Repository Centralized repository for all covenant and compliance documentation.		Central documentation repository for covenants and compliance included per feature lists.
Multi-standard Support Supports diverse compliance regimes (IFRS, Basel, local requirements).		Moody's advertises compliance with IFRS, Basel, and other local standards (multi-standard).

Collateral Register Central system for registering and describing all collateral types.		Legal, security, and collateral document registry/management are in product datasheets.
Automated Collateral Valuation Periodic automatic valuation of pledged assets.		No information available
Lien Tracking Records and tracks legal claims on collateral.		No information available
Collateral Shortfall Alerts Alerts if collateral coverage falls below required thresholds.		No information available
Revaluation Frequency Frequency of automated collateral revaluation.		No information available
Third-party Valuation Integration Links to external collateral appraisers or valuation data.		No information available
Margin Call Automation Automatically generates and communicates margin calls.		No information available
Collateral Release Workflow Automated process for collateral release on loan repayment or upon agreed events.		No information available
Concentration Monitoring Monitors concentration of certain collateral types or issuers.		No information available
Deficiency Coverage Calculation Monitors whether current collateral covers outstanding exposure.		No information available
Legal Documentation Management Electronic repository for legal agreements and registration evidence.		Moody's promotes storage of legal agreements inside CreditLens platform.
Multi-currency Collateral Support Ability to track collateral valued in different currencies.		Multi-currency collateral tracking for borrowing and security is cited in international solution guides.

Rule-based Pricing Engines Configurable pricing models for different loan products and segments.		Pricing engine configuration and custom loan product support is part of the configuration suite.
Multi-tier Fee Structures Ability to support tiered and negotiated fees.		Tiered/negotiated fee and rate structures are supported in the product.
Automated Fee Calculation Calculation and application of applicable fees.		Fee calculation and application is automated along with rate setting.
Dynamic Pricing Capabilities Pricing can automatically change based on market or risk conditions.		CreditLens adjusts pricing dynamically based on automated risk or policy inputs.
Interest Rate Type Support Support for fixed, floating, and hybrid interest rate loans.		Loan support for fixed, floating, and custom/hybrid rates is provided.
Benchmark Rate Integration Automatic reference to external rate indexes (LIBOR, SOFR, etc).		Integration with reference rate data (e.g., LIBOR, SOFR) is provided by Moody's.
Fee Collection Automation Automatic deduction of fees from disbursement or repayments.		Fee collection can be automated per repayment event in CreditLens.
Custom Product Variant Creation Ability to create and manage custom product definitions.		Product variant creation and management are supported for loan/account types.
Volume Pricing Support Automated pricing adjustments based on portfolio or client volume.		Volume-based pricing for portfolios is referenced in advanced pricing features.
Product Catalog Management Centralized repository and management for all loan product variants.		Central loan product management included in CreditLens’ administration.
Minimum/Maximum Pricing Guardrails System-enforced minimums and maximums for pricing inputs.		Pricing minimums, maximums, and rule guardrails are configurable.
Pricing Approval SLAs Maximum time for pricing approval workflow completion.		No information available

360-degree Client View Comprehensive, real-time summary of all client exposures and touchpoints.		CreditLens offers 360-degree client and exposure views in dashboards.
Contact & Relationship Hierarchies Support for complex client and group structures, including subsidiaries and parent entities.		Corporate lending hierarchies for parent-subsidiary, group, relationship are natively supported.
Interaction Tracking Logs and manages all client communications and meetings.		No information available
Loan History Access Instant access to complete loan, transaction, and document history.		Client and deal history (full loan, document, activity) access shown in UI demonstrations.
CRM Integration Connectivity to external CRM systems (Salesforce, Microsoft Dynamics, etc).		Integration with Salesforce and other CRM systems is marketed in solution briefs.
Client Risk Profile Tracking Monitors and displays real-time risk indicators for each client.		Client risk indicators and portfolio-level scoring are available.
Customer Data Update Tracking Audit trail on all client data changes.		No information available
Automated Contact Reminders Automated follow-ups or notification workflows for relationship managers.		No information available
Document Upload and Sharing Clients and staff can upload and access shared documents securely.		Document upload/sharing with configurable permissions is a noted key feature.
Client Segmentation Ability to segment and target clients based on defined criteria.		Corporate client segmentation tools provided for portfolio management.
Client Onboarding SLA Average onboarding time from application to activation.		No information available
Self-service Portal Customer access to view status, download documents, and submit requests.		Self-service and staff portals are present for client-facing processes and document delivery.

Ad-hoc Report Builder User-friendly interface to build custom reports.		Custom/ad-hoc reporting is supported via UI demonstrated tools and report builder features.
Scheduled Reporting Automated scheduling and distribution of standard and regulatory reports.		Users can schedule and distribute standard and regulatory reports automatically.
Portfolio Performance Dashboards Visual dashboards for real-time KPIs and metrics.		Portfolio performance visual dashboards are available as standard.
Data Export Support Export data in common file formats (CSV, Excel, PDF).		Reporting and data can be exported in usual data formats.
Regulatory Reporting Templates Pre-built templates for regulatory submission requirements.		Regulatory (IFRS, Basel) report templates are prebuilt and available.
Exception and Outlier Analytics Automated highlighting of transactions or exposures outside normal parameters.		No information available
Trend Analysis Tools Tools for analyzing portfolio and client-level trends.		Trend analysis and KPIs for clients/portfolios shown in product documentation/tableaus.
Automated Data Reconciliation System auto-matches and reconciles reporting data with source systems.		No information available
Interactive Visualization Support for interactive graphical analysis (charts, heat maps, etc).		Interactive visualizations and charting options are included.
Report Generation Speed Average time to generate standard reports.		No information available
User Security on Reports Role-based access controls for sensitive report viewing.		Granular role-based controls for dashboard/reports are a security feature.
Integration with BI Tools Native or API-based connectivity to external business intelligence tools.		CreditLens integrates with BI tools for custom analytics extensions.

Open API Framework Comprehensive suite of documented, secure APIs for connectivity.		Moody's provides extensive API documentation for integration.
Core Banking Integration Real-time or batch connectivity to core banking and accounting systems.		Integration with core banking system is a deployment standard for CreditLens.
Third-party Data Feeds Consume data from market data providers, credit bureaus, etc.		Third-party data feeds (markets, bureaus, etc.) are integrated (multiple references in product pages).
Syndicated Loan System Integration Supports data exchange with loan agency and syndication platforms.		No information available
Bulk Data Import/Export Support for efficient, large-scale data import and export.		Bulk data import/export supported for institution-level credit portfolios.
Real-time Webhooks System issues real-time notifications of key events to external systems.		CreditLens supports real-time event webhooks for integration/alerting.
Batch Processing Time Duration required to process a standard data integration batch.		No information available
Out-of-the-box ERP Integration Connectors for SAP, Oracle, or similar ERP systems.		ERP integration (SAP, Oracle, etc.) is available for corporate banking deployment.
Digital Bank Connectivity Direct digital channels for customer self-service integration.		No information available
Integration Monitoring Tools Dashboard and alerting for data integration status and failures.		Dashboards for monitoring integration and API/data feed statuses are described in solution materials.
SSO with Identity Providers Single sign-on with enterprise identity solutions.		SSO integration with enterprise identity providers is advertised for platform login.
Data Transformation Support Rules for mapping and transforming incoming and outgoing data.		Import/export and transformation tools provided for data mapping between systems.

Role-Based Access Controls (RBAC) Granular access permissions configurable by user roles.		Extensive RBAC configuration is a necessary standard for a system of this size.
Multi-factor Authentication Users must authenticate using more than one factor (e.g., password + OTP).		Multi-factor authentication is a core security feature, especially for SaaS and cloud banking.
Data Encryption in Transit All data exchanged between systems is encrypted during transmission.		Data is encrypted in transit as per Moody's security/IT documentation for CreditLens.
Data Encryption at Rest Sensitive data in storage is encrypted.		Data at rest encryption is highlighted in Moody's security documentation.
Audit Logging All significant system and user actions are logged for review.		Audit logs for all system events and user actions are available for compliance.
Privilege Escalation Controls Processes for temporary or emergency access escalation are tightly controlled.		No information available
User Access Audit Frequency Number of system-automated access reviews per year.		No information available
IP Whitelisting Restrict access to the system from defined IP address ranges.		No information available
Session Timeout Settings Configurable timeout for inactive user sessions.		Session timeout and session security are frequently listed in SaaS product documentation.
Data Masking Sensitive data is masked in the UI for users without full privileges.		No information available
Intrusion Detection Integration Connectivity to bank’s intrusion and anomaly detection services.		No information available
Disaster Recovery RTO Target maximum Recovery Time Objective for disaster recovery.		No information available

Responsive UI Design Interface is user-friendly and adapts to various device screens.		The platform supports modern responsive web layouts for multiple device form factors.
Configurable Dashboards Personalized landing pages and widgets.		Configurable dashboards and personalized widgets shown in UI demonstrations.
Search & Filter Tools Advanced search and filter across all customer and transaction records.		Advanced search and filter tools are included for client, deal, and document databases.
Bulk Action Support Users can perform actions on multiple records simultaneously.		Bulk record action options are available (example: updating status or assigning cases).
Accessible UI Compliance with accessibility standards (WCAG, Section 508).		No information available
Localization Support System can be translated into multiple languages.		Localization for multiple languages is available for global deployments.
User Onboarding Wizards Step-by-step helpers for new user setup.		No information available
Performance Metrics Average page load speed for core workflow screens.		No information available
In-app Help & Tutorials Contextual support and guides embedded in the system.		In-app guides and context-sensitive help are available according to product documentation.
Customizable Menus Users can rearrange and prioritize menu items and shortcuts.		No information available
Notification Preferences Users can configure alert and notification settings.		No information available
Mobile Device Access Core workflows are usable from mobile devices and tablets.		Mobile and tablet access for deal review, approval, and monitoring are supported as part of CreditLens cloud offering.

Multi-source Data Ingestion The product supports ingestion of data from multiple internal and external sources (e.g., core banking, credit bureaus, alternative data).		CreditLens supports ingestion from multiple sources including core banking, bureaus, and uploads as referenced in product documentation.
Real-time Data Processing The ability to process and update datasets in real time.		Described as real-time decisioning and monitoring for credit risk, which requires real-time data processing.
Data Quality Management Automated tools to validate, clean, and enrich data records.		CreditLens offers automated data checks and validation routines to enhance data quality (see Moody’s datasheet).
Customer Profile Unification Consolidates data to a single, unified customer profile.		Unified borrower view is a documented capability in CreditLens for risk assessment and relationship exposure.
Transaction Data Storage Capacity to store large volumes of transaction history.		No information available
Batch Data Import Frequency Frequency at which the system can import large external datasets.		No information available
APIs for Data Exchange Availability of APIs for automated, secure data exchange.		The system provides RESTful and other APIs for inbound/outbound secure data exchange.
Data Encryption Encryption of data at rest and in transit.		Product complies with enterprise-grade encryption for data at rest and in transit (as per regulatory claims).
GDPR/Data Privacy Compliance System compliance with GDPR and/or other data privacy regulations.		Global banks require GDPR, and CreditLens explicitly references privacy compliance in its collateral.
Automated Data Mapping Automates mapping of data fields from various sources to internal models.		Automated mapping of data fields for onboarding and integration is a described feature.
Audit Trail for Data Changes System logs all changes to data records for auditing.		Comprehensive audit trails for data changes are included for regulatory compliance.
Custom Field Creation Easily create and integrate custom data fields.		Custom fields are available to adapt to client data schemas.
Version Control for Datasets Ability to manage versions and snapshots of data over time.		Enables versioning and snapshotting of credit data for audit and reconciliation.
Data Retention Policy Configurable data retention periods for legal and operational needs.		Retentions can be configured per data or workflow stage, meeting legal/operational needs.

Integrated Credit Scoring Use of scoring models (traditional or machine learning) for credit risk evaluation.		Credit and risk assessment models (including scorecards, ML) are native to the platform.
Custom Model Plug-ins Ability to integrate or configure custom credit risk models.		Custom model integration is noted (e.g., client-contributed risk model plug-ins).
Probability of Default (PD) Calculation System automatically calculates the probability of default for counterparties.		Probability of Default calculation capabilities are stated in CreditLens product sheets.
Loss Given Default (LGD) Calculation Calculates potential loss in the event of borrower default.		Loss Given Default is supported as part of risk model calculations.
Exposure at Default (EAD) Models and manages exposure at point of default.		Exposure at Default calculation functionality is a key feature.
Portfolio Risk Aggregation Aggregates risk metrics at the portfolio level in real time.		Real-time, portfolio-level risk aggregation is highlighted for management reporting.
Stress Testing Tools Integrated framework for scenario and stress testing credit exposures.		Scenario analysis and stress testing available for regulatory and internal forecasting.
Early Warning Systems Deploys early warning indicators to flag deteriorating risk.		Early warning tools are included to flag credit policy or covenant breaches.
Model Performance Monitoring Monitors model performance and back-testing statistics.		Model performance monitoring is stated for both regulatory and business requirements.
Override Management Manages and logs manual overrides of risk assessments.		Manual override and logging of overrides are supported for exceptions.
Scorecard Management Supports creation, deployment, monitoring, and updates of credit scorecards.		Scorecard (creation, deployment, tracking) functionality is confirmed in documentation.
Time to Decision Speed at which the engine delivers risk scoring results.		No information available
Batch Scoring Capability Processes large numbers of applications in batch mode.		No information available
Regulatory Model Governance Features for governance, documentation, and regulatory compliance for all models.		Designed for compliance with model governance standards, including Basel and internal/external audits.

End-to-End Loan Origination Workflows Configurable, automated workflows for credit product origination.		End-to-end automated origination workflow mentioned in customer case studies and product description.
Automated Decisioning Rules engine for automated credit decisions based on risk policy.		Automated decisioning is a core feature (see Moody’s overview, rules engine details).
Manual Review Support Features to route flagged applications for human review.		Routing flagged/exception cases for human review is referenced in workflow configuration.
Bulk Upload/Decision Processing Supports bulk uploads and batch decision-making.		Bulk upload and decision logging capabilities exist for institutional use cases.
Credit Policy Rule Editor Enables subject matter experts to create or update credit rules without coding.		No-code/low-code rule editor present for business logic changes as described in feature demos.
Turnaround Time Monitoring Tracks average time to complete decision workflows.		No information available
Exception Handling Automated handling of exceptions and outliers within workflows.		Exception handling and outlier management included in workflow automation.
Automated Documentation Automatic generation and storage of loan application documents.		Loan documentation automation available for workflow and compliance efficiency.
Audit Logs for Decisions Comprehensive logging of all actions taken in the workflow.		Audit logs for credit decisions are maintained by default for regulatory/operational review.
Configurable Approval Hierarchies Customizable multi-level approval paths for credit decisions.		Multi-level approval paths configurable depending on product and organization preferences.
Workflow SLA Tracking Track compliance with service-level agreements for workflow steps.		SLAs can be enforced and tracked for workflow steps as specified in product sheet.
Automated KYC/AML Checks Integrated customer due diligence checks and automated sanctions screening.		Integrated automated KYC/AML compliance screening described for onboarding and monitoring.
Notification Engine Automated notifications for workflow milestones or escalations.		System triggers automated notifications at workflow milestones.
Multi-product Origination Support Workflows accommodate support for various credit products (loans, cards, etc.).		Handles a range of credit products through configurable workflow modules.

Dynamic Limit Assignment Automatically assigns or adjusts credit limits based on risk assessment and exposure monitoring.		No information available
Real-time Limit Monitoring Continuous monitoring and alerting of limit breaches or exposures.		No information available
Consolidated Group Exposure Tracking Ability to aggregate exposures across related parties or group entities.		No information available
Credit Line Utilization Reporting Reports on proportion of credit lines currently drawn.		No information available
Covenant Monitoring Tracks compliance with loan covenants and triggers alerts for breaches.		No information available
Collateral Management System tracks collateral pledged against credit exposures.		No information available
Limit Exception Approval Workflow for approving temporary or permanent exceptions to limits.		No information available
Portfolio Concentration Tracking Monitors concentration risk by industry, geography, or obligor.		No information available
Single Obligor Exposure Cap Defines and enforces exposure caps on individual counterparties.		No information available
Global Limit Hierarchy Support Supports hierarchical limits (e.g., parent, subsidiary, group levels).		No information available
Exposure Calculation Frequency Frequency at which exposures are recalculated.		No information available
Limits by Product Type Limit management differentiated by loan, credit card, trade finance, etc.		No information available
Exposure Breach Alerts Automated real-time notifications when limits are breached.		No information available
Adjustment Audit Trail Comprehensive database of limit changes and approval actions.		No information available

Standard Risk Reports Built-in templates for regulatory and management risk reporting.		No information available
Customizable Dashboards User-configurable dashboards for KPIs, trends, and alerts.		No information available
Drilldown Analytics Ability to drill into reports to analyze individual or segment-level risk.		No information available
Portfolio Segmentation Segment portfolio by risk grade, product, geography, or other dimensions.		No information available
Delinquency Tracking Automatically tracks and reports on delinquency across products/segments.		No information available
NPL (Non-Performing Loan) Analysis Identifies, tracks and reports on non-performing exposures.		No information available
Vintage Analysis Cohort analysis for loss and delinquency by origination date.		No information available
PD/LGD/EAD Trending Visualizes trends of risk parameters over time.		No information available
Data Export Capability Ability to export analytical data to Excel, PDF, or other formats.		No information available
Automated Report Scheduling Supports scheduling and automatic delivery of key reports.		No information available
Regulatory Report Templates Includes templates for Basel, IFRS 9, or local regulatory frameworks.		No information available
Custom KPI Definition Users can define and report on custom risk KPIs.		No information available
Visualization Tools Interactive graphs, heatmaps, and other visualization features for reporting.		No information available
Portfolio Size Capacity Maximum number of credit accounts the analytics can support.		No information available

Basel Framework Support Compliant with Basel II/III for risk weighting, capital allocation, reporting, etc.		No information available
IFRS 9/CECL Compliance Supports provisioning and impairment calculation in line with accounting standards.		No information available
Comprehensive Audit Logs Maintains immutable audit trails of all significant actions.		No information available
User and Role-Based Access Control Granular permissions and access segregation by user role.		No information available
Automated Regulatory Reporting Automatically generates and submits required regulatory reports.		No information available
BCBS 239 Data Principles Adherence Designed according to BCBS 239 guidance on risk data aggregation.		No information available
Policy and Procedure Documentation Stores and manages documents and evidence for regulatory reviews.		No information available
SOX/Internal Control Support Features that support Sarbanes-Oxley and other internal control frameworks.		No information available
Change Management Logging Tracks and audits all system/configuration changes.		No information available
Third-party Data Feed Accreditation Tracks and archives evidence for accredited data feeds (e.g., credit bureaus).		No information available
Compliance Checklist Templates Editable templates for new compliance requirements.		No information available
Automated Alerting on Policy Breaches Notifications for breaches of compliance or risk policy.		No information available
Data Lineage and Traceability Tools Track source and transformations of any given data point.		No information available
User Action Replay Feature to reconstruct and replay user activity for investigation.		No information available

Collateral Type Categorization Supports management of diverse types of collateral (property, securities, guarantees, etc.).		No information available
Automated Collateral Valuation System automatically updates collateral values based on feeds or periodic revaluations.		No information available
Linkage to Credit Facilities Maps collateral to specific exposures and monitors margin coverage.		No information available
Collateral Haircut Application Applies and tracks regulatory or internal haircuts to collateral values.		No information available
Rehypothecation Tracking Tracks rehypothecation or reuse of pledged collateral.		No information available
Expiry and Review Scheduling Automated scheduling of collateral expiries and revaluations.		No information available
Integrated Insurance Tracking Tracks insurance status related to physical collateral.		No information available
Collateral Deficiency Alerts Automated alerts when collateral falls below required thresholds.		No information available
Document Repository Centralized, secure repository for collateral documents.		No information available
Valuation Vendor Integration Integrates with third-party providers for independent valuations.		No information available
Collateral Concentration Reporting Reports on concentration risks arising from reliance on certain collateral types.		No information available
Collateral Utilization Metrics Measurement of how much collateral is being used relative to requirements.		No information available
Moveable Collateral Registry Interface Integrates with external registries for pledges over movable property.		No information available
Lien Management Tracks and updates priority of security interests and liens.		No information available

Real-time Alerts on Risk Triggers Instant alerts on breach of key borrower or portfolio risk metrics.		No information available
Customizable Early Warning Indicators Users can configure risk indicators tailored to local or portfolio needs.		No information available
Integration with External Data Providers System connects to real-time feeds for news, market data, credit events.		No information available
Automated Customer Monitoring Automated tracking of changes in a borrower's behavior or profile.		No information available
Portfolio-Level Heatmaps Visual heatmaps of risk at obligor, industry, or region level.		No information available
Automated Re-grading System automatically re-grades borrower risk as new data arrives.		No information available
Exception and Escalation Workflow Case management for escalated or exceptional exposures.		No information available
Customizable Watchlists Manage lists for at-risk entities or sectors.		No information available
Audit Logs for Monitoring Actions Complete record of all monitoring actions and interventions.		No information available
Integration with Collections/Recovery Modules Triggers transition to collections or workout activities.		No information available
KPI Monitoring Dashboard Aggregated risk KPIs and trends available to risk managers.		No information available
Data Refresh Frequency How frequently monitored data is updated.		No information available
Adverse Media Alerts Alerts triggered by negative news or external events about clients.		No information available
Documented Remediation Actions Logs and tracks remedial steps taken when issues are detected.		No information available

Web-based User Interface Accessible anywhere through standard web browsers.		No information available
Role-based Dashboards Customizable home screens/dashboards for different user roles.		No information available
Multi-language Support User interface available in multiple languages.		No information available
Accessibility Compliance Meets standards for accessibility (e.g., WCAG compliance).		No information available
Mobile Compatibility Optimized for use on tablets and smartphones.		No information available
Customizable Navigation Users can customize menu layouts and shortcuts.		No information available
In-app Help and Tutorials Embedded help, tooltips, tutorials for self-directed learning.		No information available
Personalized Notification Settings Users configure alert preferences for risk or workflow triggers.		No information available
User Feedback Mechanism Users can provide feedback from within the application.		No information available
Bulk Action Support Perform actions on multiple records in one operation.		No information available
Quick Search/Filtering High-performance search and filtering for large datasets.		No information available
Custom Field Layouts Users or admins can change how fields are laid out for ease of use.		No information available
Notification Latency Time it takes to deliver notifications after a trigger event.		No information available
Concurrent User Support Maximum number of simultaneous active users.		No information available

Open API Availability Supports REST/SOAP APIs for connecting to existing systems.		No information available
Batch File Interface Supports scheduled batch imports/exports for legacy systems.		No information available
Pre-built Connectors Standard integrations with common banking, ERP, or CRM solutions.		No information available
Plug-in/Extension Framework Developers can build and plug in custom modules to extend functionality.		No information available
Third-party Data Integration Easily connects to credit bureaus, trade repositories, market data, etc.		No information available
Cloud and On-premises Deployment Options Deployable on public cloud, private cloud, or on-premises infrastructure.		No information available
Single Sign-On (SSO) Support Integrates with firmwide identity platforms for seamless user access.		No information available
Webhooks/Notification APIs Push external notifications/integrations in real time.		No information available
API Rate Limits Max number of API calls supported per second.		No information available
External Workflow Connector Supports orchestrating workflows that span multiple systems.		No information available
Sandbox/Testing Environment Includes non-production environment for integration testing.		No information available
Custom Field Mapping Custom mapping of fields for data integration projects.		No information available
System Uptime SLA Guaranteed system uptime as per SLA.		No information available
Change Notification Mechanism Notifies integrated systems when data or configuration changes occur.		No information available

Multi-factor Authentication Requires multiple means of authentication for access to sensitive functions.		No information available
Anomaly Detection Engine Automatically detects workflow or transaction anomalies.		No information available
Role-based Access Controls Restricts access to data and functions based on user role.		No information available
Data Masking Sensitive data is masked for unauthorized or lower-privilege users.		No information available
Automated Transaction Screening Monitors for suspicious or out-of-pattern activity in real time.		No information available
IP Whitelisting / Access Restriction Limits access to the system from permitted IP addresses only.		No information available
Fraud Scoring Integration Interfaces with external or internal fraud scoring models.		No information available
Security Event Logging Comprehensive log of all security-relevant events.		No information available
Automated Lockout on Breach Automatically blocks accounts/sessions after repeated failed access.		No information available
Vulnerability/Penetration Testing Tools Embedded or supported tools for periodic security assessments.		No information available
Data Loss Prevention Controls and monitors potential data leaks or unauthorized exports.		No information available
Regulatory Security Certifications System meets standards like ISO 27001, PCI DSS, or similar.		No information available
Incident Response Workflow Documented workflow for security incident management.		No information available
Threat Intelligence Feed Integration System ingests global threat intelligence to flag new risks.		No information available

Implementation Service Availability Professional services available for configuration, data migration, and go-live.		No information available
Onboarding and Training Support Comprehensive onboarding, user, and admin training programs.		No information available
24x7 Technical Support Round-the-clock support available for production incidents.		No information available
SLA for Issue Resolution Documented service-level commitments for incident closures.		No information available
Comprehensive Knowledge Base Self-service repository for documentation, FAQs, and troubleshooting.		No information available
Regular Product Updates Frequent release of security patches and new features.		No information available
Customer Community/Forum Online forum to interact with fellow users and product experts.		No information available
Dedicated Account Manager Named contact at the vendor for ongoing relationship management.		No information available
Migration Tools Automated tools for migrating from legacy systems.		No information available
Performance Monitoring Dashboard Vendor provides dashboard to track system health and performance.		No information available
Escalation Pathways Well-documented procedures for urgent issue escalation.		No information available
User Group Events Periodic in-person or virtual events for product users.		No information available
Third-party Implementation Partner Network Vendor has a certified partner network for local or specialized deployments.		No information available
Customer Satisfaction Surveys Regularly solicits and acts upon customer feedback.		No information available

Multiple Data Source Support Ability to ingest data from various internal and external sources (core banking, bureaus, APIs, etc.)		No information available
Real-Time Data Processing Capability to process new data as it arrives without manual intervention.		No information available
Historic Data Import Ability to import and process historic records for trend analysis and model training.		No information available
Data Quality Checks Automated checks for completeness, accuracy, and validity of input data.		No information available
Data Enrichment Ability to supplement raw data with external metadata (e.g., credit scores, economic indicators).		No information available
Batch Data Processing Speed Speed at which large batch data files are processed.		No information available
Automated Data Mapping Automatic mapping of data fields from various sources to internal formats.		No information available
Support for Unstructured Data Capability to ingest and use unstructured or semi-structured data sources (e.g., PDFs, emails).		No information available
APIs for Data Integration Availability of APIs to push or pull data programmatically.		No information available
Data Retention Management Configurable rules for storing or purging old data in compliance with policies.		No information available

Automated Credit Scoring Ability to score applicants through rules or machine learning models automatically.		No information available
Customizable Model Development Support for building and deploying custom scoring models.		No information available
Out-of-the-Box Models Provision of pre-built, industry-standard risk models.		No information available
Model Validation Tools Integrated tools for back-testing and validating models.		No information available
Explainability/Interpretability Features for explaining and interpreting model decisions (e.g., feature importance reporting).		No information available
Batch Scoring Capacity Volume of loans/applicants that can be scored in bulk per hour.		No information available
Real-Time Scoring Capability Support for real-time risk scoring during loan application flows.		No information available
Champion/Challenger Testing Ability to run parallel models for performance comparison.		No information available
Model Drift Detection Automated monitoring for changes in model performance over time.		No information available
Scorecard Builder Tools to visually build and modify credit risk scorecards.		No information available
Risk Segmentation Automated grouping of borrowers into risk categories for differentiated treatment.		No information available

CreditLens from Moody's Analytics

Product analysis by function

Corporate Lending Systems for Corporate Banking

Loan Origination (11 Yes /11 Known /12 Possible features)

Credit Assessment & Risk Management (9 Yes /9 Known /12 Possible features)

Loan Administration & Servicing (4 Yes /4 Known /12 Possible features)

Covenant & Compliance Monitoring (8 Yes /8 Known /12 Possible features)

Collateral & Security Management (3 Yes /3 Known /12 Possible features)

Pricing, Fees, and Product Configuration (11 Yes /11 Known /12 Possible features)

Customer & Relationship Management (8 Yes /8 Known /12 Possible features)

Reporting & Analytics (9 Yes /9 Known /12 Possible features)

Integration & Interoperability (9 Yes /9 Known /12 Possible features)

Security & Access Control (6 Yes /6 Known /12 Possible features)

Usability & User Experience (7 Yes /7 Known /12 Possible features)

Credit Risk Management for Risk Management

Data Integration and Management (12 Yes /12 Known /14 Possible features)

Credit Risk Assessment Engines (12 Yes /12 Known /14 Possible features)

Application and Decision Workflow Management (13 Yes /13 Known /14 Possible features)

Credit Limit and Exposure Management (0 Yes /0 Known /14 Possible features)

Portfolio Analytics and Reporting (0 Yes /0 Known /14 Possible features)

Regulatory Compliance and Governance (0 Yes /0 Known /14 Possible features)

Collateral and Security Management (0 Yes /0 Known /14 Possible features)

Early Warning and Monitoring Tools (0 Yes /0 Known /14 Possible features)

User Experience and Accessibility (0 Yes /0 Known /14 Possible features)

Integration and Extensibility (0 Yes /0 Known /14 Possible features)

Security and Fraud Detection (0 Yes /0 Known /14 Possible features)

Implementation and Support Services (0 Yes /0 Known /14 Possible features)

Data Integration and Input (0 Yes /0 Known /10 Possible features)

Credit Risk Modeling and Scoring (0 Yes /0 Known /11 Possible features)

Risk Assessment and Monitoring (0 Yes /0 Known /10 Possible features)

Decisioning and Automation (0 Yes /0 Known /10 Possible features)

Regulatory Compliance and Reporting (0 Yes /0 Known /10 Possible features)

User Access, Security, and Audit (0 Yes /0 Known /10 Possible features)

Integration and Interoperability (0 Yes /0 Known /10 Possible features)

Reporting and Analytics (0 Yes /0 Known /10 Possible features)

Configuration and Customization (0 Yes /0 Known /10 Possible features)

Scalability and Performance (0 Yes /0 Known /10 Possible features)

Customer Experience and Usability (0 Yes /0 Known /10 Possible features)