Increase transparency in your credit risk rating activities and reduce process jams
Corporate borrowers, loan officers, and client-facing relationship managers face increasingly complex lending and compliance challenges today and often do not have the appropriate tools or data to analyze them effectively.
With RMA Dual Risk Rating, an affordable commercial solution is now available. RMA Dual Risk Rating enables banks to evaluate both the borrower and the loan to achieve greater granularity in classifying and managing credit risk - allowing you and your team to have more confidence in your lending.
Affordable yearly subscriptions that are more cost-effective than other similar tools.
We have two flexible deployment options: RMA-hosted web-based platform or embedded in your third-party commercial lending software.
Built by Bankers
We have a deep pool of knowledge among our member banks and we tapped into it to build this tool.
Complete portfolio reports on risk concentrations and the ability to benchmark against other banks.
CRE – Income Producing
This scorecard is for commercial or multifamily projects that are built and leased out. Most banks have commercial lending in their portfolio. Risk categories include leverage, borrower strength, asset quality, and market risk.
CRE – Construction
This scorecard is for commercial real estate projects still under construction. Risk categories include leverage, borrower strength, refinance risk, asset quality, and market risk.
C&I - Commercial & Industrial
This scorecard is for any type of operating company in any industry. Most banks lend to operating companies and will find this scorecard useful. Risk categories include coverage, liquidity, leverage, industry, and company.
This scorecard can be used for U.S. Small Business Administration (SBA) 7(a) loans and other loans primarily based on a small business credit score.
High Net Worth Individual
This scorecard should be used when an individual or family is providing substantial support to a project or company. Risk categories include coverage, liquidity, leverage, and borrower characteristics.
Public Debt Rated Companies
This scorecard can be used for participation or direct loans to companies that have a debt rating from the major agencies. The advantages of using this scorecard include consistency and transparency with risk rating across the commercial portfolio.
This scorecard is a template that includes the same structure as the other scorecards but allows for evaluating credits not well-served by the other scorecards. Inputs and risk ratings are stored and can be part of the portfolio reporting.
This scorecard is used to evaluate the collateral coverage for each loan. Multiple sources of collateral of any type can be used. The scorecard will discount the collateral value based on generally acceptable discount rates, and then compare total collateral to the outstanding balance.
Complimentary Whitepaper Now Available: Learn how adjustments of financial inputs fit into a next-generation risk rating system.Download the white paper.
RMA’s Plug and Play integrated Dual Risk Rating scorecards with Finastra Fusion CreditQuest®
June 08, 2021
See how top banks can integrate their internal risk rating methodology seamlessly within their end-to-end commercial loan platforms. RMA's Dual Risk Rating product can be deployed on its web-hosted platform or can be fully integrated into a bank’s existing LOS, such as CreditQuest®.
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