Credit Rating Models
Menu Close

Zanders Rating Models:
Accurate, flexible, affordable

Based on decades of credit risk expertise, built on millions of data points and delivered through flexible technology.
Backed by the knowledge and experience of

Zanders credit rating models make best practices affordable. Our models are supported by our experienced consultants and can be adjusted to your specific needs.

  • Supported by decades servicing corporates and banks in the area of credit risk
  • Substantiated by financial data and of millions of companies and thousands of default events
  • Delivered through API based technology, easy to integrate
Used to generate ratings across 50+ countries, 20+ industries for businesses from SMEs to multinationals
Trusted by 500+ clients, used to generate 50,000+ ratings per year
Built on 25+ years experience advising banks and corporates worldwide
Frequently (re)calibrated to guarantee optimal model performance
Credit decisioning
Support the credit application process with direct insight in counterparty risks
Credit risk management
Measure and manage portfolio risks
Financial reporting
Our credit ratings provide a sound basis for determining ECL estimates in line with IFRS 9
Loan pricing
Substantiate the pricing process, whether it’s commercial or intercompany loans

A quantitative basis, a qualitative overlay

Financials are important, but they don’t always tell the whole story. That’s why we have integrated our qualitative and quantitative frameworks to provide a complete view on creditworthiness
  • CORPORATES
  • BANKS
The corporate rating model scores counterparties using a range of quantitative and qualitative risk drivers. By utilizing the different model components, users can strike a balance between time spent on a rating assessment and the amount of information taken into account. The model is derived from a dataset of millions of companies. Our assessments are statistically substantiated and optimized.
Quantitative assessment
A three-year set of financial information is translated into ratios and trends, which form the basis of the quantitative score.
The quantitative score assesses the financial health on a number of pillars:
  • Operations
  • Liquidity
  • Capital structure
  • Debt service
  • Turnover
The quantitative score is supplemented with additional insights based, among other items, on the company track record, outlook or supply chain vulnerabilities. Adding the qualitative assessment leads to the ‘stand-alone score’.
Qualitative assessment
Support and environment
Taking into account support from related entities or governments, country and industry risks leads to the final model score.
User override
If necessary, an analyst can override the model score. By documenting the motivation as part of the final credit rating, a full audit trail is kept.
Final credit rating
Our ratings follow a recognizable rating scale, ranging from AA to C.
Read more about our rating models >
Our bank rating model is calibrated to external ratings and benchmarked against alternative models. By utilizing the different model components, users can strike a balance between time spent on a rating assessment and the amount of information taken into account. Making use of multiple regional segments, the model is well suited to rate banks around the globe.
Quantitative assessment
Financial information of up to five years is translated into ratios and trends, which form the basis of the quantitative score.
The quantitative score assesses the financial health on a number of pillars:
  • Operations
  • Liquidity
  • Loan quality
  • Capitalisation
  • Size
The quantitative score is supplemented with additional insights based, among other items, product and geographical diversification. Adding the qualitative assessment leads to the ‘stand-alone score’.
Qualitative assessment
Support and environment
Taking into account support from related entities or governments, country (transfer) and industry risks leads to the final model score.
User override
If necessary, an analyst can override the model score. By documenting the motivation as part of the final credit rating, a full audit trail is kept.
Final credit rating
Our ratings follow a recognizable rating scale, ranging from AA to C.
Read more about our rating models >

Do you want to see it before you believe it?

Our rating model quick scan is the way to go!
Our quick scan gives you full insight into the model’s performance on your specific portfolio
  • Data gathering and analysis We gather the relevant data, structure and analyse it, giving you insight into the compatibility of our rating model with the data available in your firm.
  • Model fit analysis The model performance is assessed by reviewing discrimatory power, calibration quality, and other aspects. The results are summarized in a concise memo.
  • Workshop and next steps In a workshop, hosted by our credit risk experts, we determine the right course of action for a model that is succesfully embedded in your organisation.

Request a demo

Let us show you the platform, explain the credit rating models model in more detail and discuss how we can help you with your specific challenge.

Try it yourself!

Our one-week trial period allows you to test our models. You’ll get access to our platform followed by a session with one of our credit rating experts to discuss how you can benefit from our rating models.

Talk to our experts

Sit down with one of our experienced consultants and discuss your credit rating and credit risk challenges. We’re happy to share some of the insights that we gained working for a variety of banks and corporates worldwide.