D&B Advantage
  • Industry specific rating models to give a head start

  • Experience of managing several commercial credit bureaus in the region

  • Implementation support by banking experts

  • An end to end solution from rating to complete underwriting process

Sentinel - Corporate Lending


SENTINEL, a comprehensive credit risk rating and credit workflow solution,incorporates global best practices and D&B’s local knowledge to provide a single integrated platform that automates credit risk rating and complete underwriting process.Banks can use their internal rating models or leverage on D&B’s expert industry specific rating models built based on its global expertise and local knowledge.


Key Features


  • Standard templates for financial information. Ability to populate the data from existing downstream systems.
  • Flexibility to configure multiple entity rating models. Bank could use its own rating models or D&B’s expert industry specific models.
  • Enhanced Risk based pricing module to implement bank’s pricing strategies and improve portfolio profitability.
  • Allows multiple level approvals in the bank and maintains complete audit trail for credit decisions taken.
  • Provides capabilities to perform scenario analysis, stress testing and peer analysis.
  • Provides comprehensive reports at borrower & portfolio levels.
  • Seamless integration with bank's legacy system, credit bureau and risk data marts.
  • Provide PD, LGD and EAD models.

Benefits

  • Consistent and objective credit decisions
  • Achieve higher returns by deploying capital more economically.
  • Enables risk based pricing.
  • Ensure regulatory and Basel II compliance
  • Faster turnaround time and greater customer satisfaction.