The Challenge
At a corporate credit rating agency, we built advanced corporate credit risk models for telco, utilities, property, transport, and construction companies. The work required risk assessment tools that were both sophisticated and accessible, handling complex financial analysis while remaining auditable and transparent for credit committees — with rigorous stress testing built in.
Our Solution
We developed comprehensive Excel-based models that balanced analytical sophistication with usability, becoming the standard for decisions on credits from $1M to $500M.
Dynamic Analysis. Built models that automatically adjust to different accounting standards and company structures.
Scenario Modelling. Integrated Monte Carlo simulations for stress testing with over 10,000 iterations.
Automated Reporting. Enabled one-click creation of credit memorandums with all supporting analysis.
Impact
Average analysis time per credit application dropped by 60%, assessments became standardised across the analyst pool — improving consistency and reducing review cycles — and embedded validation rules eliminated spreadsheet errors entirely.