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ON Scenario Analysis

Re-underwrite your loan book with a granular, forward-looking view
Get a demo
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Identify vulnerable borrowers and move quickly to mitigate risk

 
Run multiple macro-economic scenarios across your entire commercial loan book, then change the parameters and run them again, instantly. Our forward-looking industry forecasts give you a view of performance and risk migration across your portfolio and down to individual borrower level.
PI_Icons_Foward_Looking_View FORWARD-LOOKING INSIGHT Run scenarios on your entire loan book with foresight as well as insight
PI_Icons_Machine_Learning IMPROVE CREDIT OUTCOMES Plan ahead for market changes and formulate targeted risk mitigation strategies
PI_Icons_Consistent_View CONFIDENTLY LEND THROUGH CYCLES Identify opportunities for growth, even in turbulent economic cycles
Create Scenarios

FORWARD-LOOKING INSIGHT

Apply your own macro-economic scenarios to OakNorth Credit Intelligence’s granular frameworks to generate a forward-looking view
 
  • Conduct analysis from the overall portfolio and sector level down to the industry (L5 NAICS) and borrower level
  • Give your teams the data and tools they need to identify the sources of risk and the underlying drivers behind it
  • Apply scenarios that reflect your own internal economic outlook
  • Make informed decisions about the risks and opportunities in your loan book based on the anticipated macro-economic shifts
Create Scenarios

FORWARD-LOOKING INSIGHT

Create and apply your own custom macro-economic scenarios with OakNorth’s library of 20+ variables to generate a forward-looking view
 
  • Conduct analysis from the overall portfolio and sector level down to the industry (L5 NAICS) and borrower level
  • Give your teams the data and tools they need to identify the sources of risk and the underlying drivers behind it
  • Create configurable scenarios that reflect your internal economic outlook
  • Make informed decisions about the risks and opportunities in your loan book based on the anticipated macro-economic shifts

IMPROVE CREDIT OUTCOMES

Prioritize and rank borrowers, segmenting credits from high to low risk
 
  • Instantly segment your portfolio and rate loans based on vulnerability to address potential credit issues
  • Identify high-risk industries in your loan book, investigate further, and support your borrower-level view of industry-specific risk
  • Build borrower relationships with a more detailed assessment of their specific industry’s projected performance
  • Get projections of how a borrower would perform under various scenarios at a financial metric level
  • Formulate a targeted risk mitigation strategy for better capital allocation
High Risk Sectors
High Risk Sectors

IMPROVE CREDIT OUTCOMES

Prioritize and rank borrowers, segmenting credits from high to low risk
 
  • Instantly segment your portfolio and rate loans based on vulnerability to address potential credit issues
  • Identify high-risk industries in your loan book, investigate further, and support your borrower-level view of industry-specific risk
  • Build borrower relationships with a more detailed assessment of their specific industry’s projected performance
  • Get projections of how a borrower would perform under various scenarios at a financial metric level
  • Formulate a targeted risk mitigation strategy for better capital allocation
Borrowers

CONFIDENTLY LEND THROUGH CYCLES

Take preventive action to continue confidently lending and supporting borrowers through economic cycles
 
  • Identify the macro-economic variables that have the greatest impact on your loan book
  • Identify the industries and borrowers that contribute the most to changes in performance
  • Make targeted decisions through a nuanced forward-looking view of industry-specific risk
  • Support borrowers through turbulent cycles with a more detailed forward-looking view of their industry’s projected performance
Borrowers

CONFIDENTLY LEND THROUGH CYCLES

Take preventive action to continue confidently lending and supporting borrowers through economic cycles
 
  • Identify the macroeconomic variables that have the greatest impact on your loan book
  • Identify the industries and borrowers that contribute the most to changes in performance
  • Make targeted decisions through a nuanced forward-looking view of industry-specific risk
  • Support borrowers through turbulent cycles with a more detailed forward-looking view of their industry’s projected performance

ON Scenario Analysis Product Tour

 

Get a personalized tour to see how ON Scenario Analysis provides a range of scenarios to identify risk up to 12 months earlier, all with a consistent view across your portfolio, sectors, industries, and borrowers.
Tour the product
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ONci_ScenarioAnalysisGuide

The Ultimate Guide: Commercial Lending & Scenario Analysis

 
Discover what it means to plan for market risk and support borrowers through any economic environment with a best-in-class scenario analysis framework that drives action and results.
Get the guide
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“In working with OakNorth (Credit Intelligence), we’ve realized its ON Risk Score was so critical that they’re now preparing it for us on a quarterly basis, so we can now start developing trend analysis, which has been extremely critical in the identification of risk.”
Steve McGlothlin Executive vice president
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“We’re moving very quickly into a world where data must be real time. If the most relevant data we have on a customer is a year old, that is a problem—both from a credit-risk perspective and from a regulatory perspective. So, OakNorth’s (Credit Intelligence) ability to provide us with real-time data and analytics on our borrowers is crucial to SMBC’s continued success.”
Sunil Dayal (Former) Head of Innovation and Fintech
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“Typically, banks only look at backward-looking, historic data. However, using the ON Credit Intelligence Suite, we're able to create a 360-degree, forward-looking view of borrowers by aggregating near real-time data."
Ben Barbanel Head of Debt Finance
TAKE THE NEXT STEP

Request a personalized demo to discover what ON Credit Intelligence can do for your bank.

What We’ll Cover:

  • What makes our technology different
  • How rapidly you’ll see results
  • Ease of installation and cost benefits
  • Current customers and outcomes