Splint Express
Credit risk assessment and rating estimates the credit worthiness of an individual,
corporation, or even a country. It is an evaluation made by authorized organizations
of a borrower’s overall credit history. Lender organizations, which are typically
not directly authorized to perform formal credit risk assessment and rating are
using internal credit risk assessments and rating processes for their own safety
and analysis.
However, in recent years, credit ratings have also been used to adjust insurance
premiums, determine employment eligibility, and establish the amount of a utility
or leasing deposit etc.
SPLINT Express is a universal credit risk assessment software solution designed
to be highly dynamic and intended particularly to be exceptionally user friendly
with coverage of every functional and non-functional activity of overall credit
risk related processes. The functional modules of SPLINT Express are:
(1) Model Authoring and Workflow Management
With the Model Authoring Platform, the entire life cycle of rating models is supported
on one central platform including model creation, configuration management, quality
management, access control, archiving etc. Model authoring is implemented through
a Workflow/Business Process Management system on top.
(2) Rating (Projects) Manager
The Rating (Projects) Manager is an application module for management of rating
projects, operative performance of ratings by Analysts and data entry interfaces
for rating entity related information such industrial sectors, sub-sector, company
/ individual rating entity, chart of accounts, risk areas, sub-risk areas etc.
(3) Impact Analysis and Portfolio Optimization
This is an application module that facilitates detail analysis, assessment, projection,
reporting etc. of rating methodologies, rating projects, stress testing of rating
models / methodologies etc.
(4) Rating Database
The Rating Database is used for the storage and manipulation of all rating related
inputs and outputs, and Basel II- compliant historization of credit risk ratings
/ rating projects.
(5) Business Intelligence and Management reporting
This module is intended to facilitate business intelligence insight and high-end
monitoring facilities from different perspective, which covers Data Integrity, Security
analysis, Trend analysis, Management reporting, specialized business intelligence
reporting etc.
(6) Interfaces
The Interface module is designed to facilitate Configurable Integrations of the
solution to third party sources/tools and/or owner’s own data sources as required.
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