Credit risk intelligence
Live credit ratings for every obligor in your book.
CREDITcounterpoint pairs a deterministic quantitative scoring engine with AI-driven synthesis to produce defensible credit classification recommendations for bank loan portfolios.
Built for credit teams under scrutiny
Consistent methodology, transparent inputs, and documentation that stands up to review.
Deterministic scoring engine
Quantitative obligor and facility scoring driven by transparent, auditable rules — the same inputs always produce the same rating.
AI-assisted synthesis
Narrative rationale and qualitative overlays generated alongside every score, so credit committees see the why, not just the number.
Portfolio-wide visibility
Upload obligor and loan facility data and see classification recommendations refresh across the whole book in minutes.
Exam-ready documentation
Every rating carries its inputs, weights and rationale — built for regulators, auditors and internal loan review.
How it works
Upload
Obligor financials and facility terms in your existing formats.
Score
The engine runs deterministic quantitative models across the portfolio.
Synthesize
AI drafts rationale and flags exceptions for analyst review.
Decide
Approve classifications and export committee-ready packages.
See CREDITcounterpoint on your portfolio
Walk through the scoring engine with our team and review sample classification output for a book like yours.
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