technology_solutions > risk-management > sentinel
Sentinel - Corporate Lending Solutions
SENTINEL, a comprehensive credit risk rating and credit workflow solution,incorporates global best practices and D&B’s local knowledge to provide a single integrated platform that automates credit risk rating and complete underwriting process.Banks can use their internal rating models or leverage on D&B’s expert industry specific rating models built based on its global expertise and local knowledge.
Key Features
- Standard templates for financial information. Ability to populate the data from existing downstream systems.
- Flexibility to configure multiple entity rating models. Bank could use its own rating models or D&B’s expert industry specific models.
- Enhanced Risk based pricing module to implement bank’s pricing strategies and improve portfolio profitability.
- Allows multiple level approvals in the bank and maintains complete audit trail for credit decisions taken.
- Provides capabilities to perform scenario analysis, stress testing and peer analysis.
- Provides comprehensive reports at borrower & portfolio levels.
- Seamless integration with bank's legacy system, credit bureau and risk data marts.
- Provide PD, LGD and EAD models.
Benefits
- Consistent and objective credit decisions
- Achieve higher returns by deploying capital more economically.
- Enables risk based pricing.
- Ensure regulatory and Basel II compliance
- Faster turnaround time and greater customer satisfaction.
D&B Advantage
- Industry specific rating models to give a head start
- Experience of managing several commercial credit bureaus in the region
- Implementation support by banking experts
- An end to end solution from rating to complete underwriting process
- Flexible and configurable credit risk managment solution enabling BASEL II compliance
- Industry standard rating models supporting Islamic banking products and automation of credit rating
