Counterparty Credit Reports
Powerful credit risk insights. Simple delivery.
Facilitate conversations without using the word "no".
Build a risk aware culture
Highlight Key Risks & Strengths
Focus on what is relevant to decision making. Reports highlight the strengths and weaknesses of the credit review.
Risk Appetite Alignment
Establishing risk appetite thresholds confirms credit risk management is aligned with your companies objectives and strategies.
Recommendations
Instead of presenting challenges without solutions, propose actions that align with organization goals. Be proactive in addressing and mitigating risk effectively.
Credit Risk Reports
As a credit professional, one of your most important jobs is to deliver credit risk reports that are clear, useful, and easy to act on.
These reports connect the dots between raw financial data and smart business decisions. That’s why CreditKernel is designed to close the communication gap between credit, sales, and leadership — by removing jargon and simplifying complex financial terms.
Sales teams may not fully understand credit risk or how serious a counterparty default can be. Without that understanding, expectations can get misaligned, and tension builds between credit and sales.
CreditKernel reports help everyone stay on the same page — by clearly showing the potential business impact and the recommended next steps.
The counterparty’s final credit rating and proposed credit exposure determine the review path:
Streamline for low-risk cases, or Full for those needing deeper due diligence.
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Streamline - Credit rating and credit exposure are within your organizations risk appetite threshold for what you deem to be a lower risk, lower limit counterparty.
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Full - Credit rating and credit exposure fail the Streamline test. Users have the option to add commentary on the credit profile's key strengths and weaknesses. Users offer actionable recommendations and clear guidance on how to manage the identified risk(s).
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Benefits
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Optimized credit terms - customize credit terms and pricing based on the specific risk profile of the counterparty. Ensure your company is compensated for taking on risk.
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Proactive risk management - counterparty credit reviews facilitate early detection of financial distress signals, allowing you to take corrective action before issues escalate.
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Confidence - provide confidence that credit decision are based on thorough analysis, reducing uncertainty.
Effective credit risk reports are more than just data summaries - they are strategic tools that instill confidence when making informed decisions and proactively managing risk.