AVRA Obligor Risk Rating is a GUI based product that produces credit scores and ratings describing the general creditworthiness of a Large Company, Small Medium Enterprise and Financial Institution. Institutions are required to enter financial and qualitative information of their clients to understand how likely debt will be repaid from the entity in question.
AVRA ORR aids institutions to gain a comprehensive and consistent view of their firm’s counter-party risk by combining financial spreading, credit analysis and robust data storage using one flexible, secure enterprise platform.
With AVRA ORR, institutions can be confident that they have the fundamental elements in place to dynamically build and deploy sophisticated internal rating models which exceed internal and regulatory requirements.
Flexible System- The Financial Templates, Qualitative Questionnaires & Workflow are completely flexible as per the needs of the institution
Diverse Rating scales- Rating scales can be differentiated by quantitative, qualitative, industry and sector information
Japan Credit Rating Agency- The models hosted in the system are developed by one of the largest Credit Rating Agency across the globe
Estimation Flexibility- The system is flexible to calculate Probability of Default, Loss Given Default and Loss Rates with customizable formulas
Override Mechanism- Rich variety of options to implement institution specific Overrides
Scenario Analysis- Build valuable financial projections and perform scenario analysis without any limitations on the use of historical data
Intuitive Dashboard Capabilities- Rating Distribution, Time Variance Analysis and Portfolio Segregation Analysis are supported by the system’s inbuilt dashboard capabilities
Browser Based Solution- Enables all credit data to be stored at one single location thus avoiding data loss and redundancy
Improves Business Performance- By embedding risk policies into AVRA’s structured risk management framework
Easy -to-use GUI- Easily create reports for a variety of audiences including analysts and senior management
Reduces Complexity- Reduces complexity by implementing standardized credit risk scorecards which outline rating decisions
Sector Granularity- With AVRA, institutions will have access to numerous industries & region-based rating models
Saves Time- Reduce turn-around time for management, audit and regulatory inquiries
Advisory Support- Our Advisory Services team provides installation consulting, training and custom development to suit the needs of the institution