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Each analyst belongs to one bank. The bank is never chosen by the client — it comes from the session, which is why one bank cannot ask about another's data.
Obligor
Search by obligor name. Matching is on the normalised name, so “northwind trading pte ltd” finds “Northwind Trading”.
| Obligor name | Customer reference | Access |
|---|
Obligor information
Ownership and audit
Financial spreadsheet
Spreading puts a customer’s accounts into a standard template, so the ratios a rating model reads are computed the same way for every borrower. Find the obligor to spread.
| Obligor name | Customer reference | Access |
|---|
| Line | This period | Prior period | Source |
|---|
Portfolio projection
Re-grade every obligor in the book against the active rating model, as a background job. The count moves while it runs, it can be stopped without losing what it finished, and an obligor that cannot be graded says why instead of ending the run.
Grade migration
How many obligors moved, and by how much. The scale runs 1 to 26 with 26 the weakest, so a higher grade after the run is a downgrade.
| Grade before | Grade after | Movement | Obligors |
|---|
Every obligor in the run
| Obligor | Before | After | Score | Reason |
|---|
Earlier runs
| Started | Status | Obligors | Finished |
|---|
Rating engine
Scorecards in Credit Predix are not hard-coded forms. The arithmetic that turns
an answer into a score lives in 199,253 formulas stored as XML
case lists in the model database. The delivered RuleEngine.dll is
only an interpreter, so there was no engine to port — a parser and an
evaluator had to be written from the language itself.
The 88 that do not parse are four defects in the stored data — a comma written for a decimal point, a missing third argument — not gaps in the grammar. Each is a correction for Pilot to make in the model.
Scorecard
A scorecard grades one obligor against one version of a rating model. Find the obligor to grade, or open one from the Obligor tab and choose Grade this obligor.
| Obligor name | Customer reference | Access |
|---|
Financial spreadsheet search
Submitted statements for this customer. Choose one to grade against.
| Period | Financial year | Report type | Level | Currency |
|---|
Rating models
A model defines the questions, the weightings, and the arithmetic that turns answers into a grade. Every scorecard records which model version graded it, so a grade stays reproducible after the model changes.
Score to grade
The score the formulas produce falls in a band, and the band is the grade. Lower bound inclusive, upper exclusive.
| Grade | Score from | Score to | Probability of default |
|---|