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Lending

Banks struggle with outdated systems, slow data entry, and confusing processes. To stay profitable amidst growing risks, they need innovative solutions.

Moody's Lending Suite offers a smart, automated solution for effective loan management and confident credit decisions, harnessing advanced analytics and AI to deliver a seamless credit experience.

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Lending

How can we help?

Make confident credit decisions and effectively manage your loan portfolio with an end-to-end loan origination system.

01
Turn risk into opportunity

Use integrated risk metrics for scoring credit applications, with data visualization and expert support for identifying risks and opportunities.

02
Streamline decisions

Enhance decision time with seamless approval workflows, GenAI credit memo creation, and system integration for better data integrity and transparency.

03
Focus on strategy

Minimize manual work with AI-enabled automation for financial spreading and document orchestration
so you can focus on growth initiatives.

04
Improve customer experience

Provide borrowers with an intuitive digital experience from intake to close with clear communication and simple document exchange.

Get in touch

Speak to our team today

Get in touch
Fintech Breakthrough Award 2024

We're always innovating

Accelerate decision-making and business growth with Moody’s Automated Credit Memo - winner of the Business Lending Innovation Award at the 2024 Fintech Breakthrough Awards.

Gain confidence across the credit lifecycle

Your organization has customers, strategic initiatives, and growth goals that all need your attention. With Moody’s Lending Suite, focus your efforts on building relationships and maximizing new opportunities without sacrificing credit risk management.

Moody's Lending Suite

Solutions

01 Front office

Front office

Simplify commercial loan applications across all assets with a convenient digital process:

  • Digital loan application

  • Secure document collection
     

  • Target for profitability

  • Proactive KYC screening

02 Credit assessment

Credit assessment

Automate workflows and confidently assess borrower risk with in-house or Moody’s award-winning models:

  • AI-enabled spreading automation

  • Robust financial analysis

  • Integrated content

  • Model lifecycle management

03 Underwriting and decisioning

Underwriting and decisioning

Make quicker and more informed decisions with an integrated system for data, market insights, and forecast scenarios:

  • Deal structuring

  • GenAI-generated credit memo

  • Loan conditions and policy expectations

04 Loan operations

Loan operations

Finish strong and close out approved loans faster with complete data, automated closing document creation, and easy document exchange:

  • Complete data compilation

  • Auto-generated loan documents

  • Document exchange

  • E-signatures

  • Core banking integration

05 Monitoring

Monitoring

Quickly ingest and visualize data for a meaningful view of your commercial portfolio, and leverage AI tools to prioritize your focus on developing risk and opportunities for growth:

  • Automated covenant management

  • Early risk detection

  • What-if analysis

  • Data ingestion

Front office

Simplify commercial loan applications across all assets with a convenient digital process:

  • Digital loan application

  • Secure document collection
     

  • Target for profitability

  • Proactive KYC screening

Credit assessment

Automate workflows and confidently assess borrower risk with in-house or Moody’s award-winning models:

  • AI-enabled spreading automation

  • Robust financial analysis

  • Integrated content

  • Model lifecycle management

Underwriting and decisioning

Make quicker and more informed decisions with an integrated system for data, market insights, and forecast scenarios:

  • Deal structuring

  • GenAI-generated credit memo

  • Loan conditions and policy expectations

Loan operations

Finish strong and close out approved loans faster with complete data, automated closing document creation, and easy document exchange:

  • Complete data compilation

  • Auto-generated loan documents

  • Document exchange

  • E-signatures

  • Core banking integration

Monitoring

Quickly ingest and visualize data for a meaningful view of your commercial portfolio, and leverage AI tools to prioritize your focus on developing risk and opportunities for growth:

  • Automated covenant management

  • Early risk detection

  • What-if analysis

  • Data ingestion

News and views

article
How small and medium-sized banks can enhance deposits modelling frameworks

Recent events have called into question the reliability of deposits as a primary source of funding for small and medium-sized banks.

Stickiness of deposits that generations of bankers had counted on suddenly seem ephemeral.

Source: Moody’s

  • Banking
Read more
article
The lingering challenges of entity resolution in the financial services industry

Despite advancements in technology, poor entity resolution continues to have a significant impact on businesses, resulting in operational inefficiencies, regulatory pressures, slow time to market, customer churn, reputational damage, and hefty fines.

Source: Moody’s

  • Banking
  • Data
Read more
whitepaper
Capital stress testing: More than just a regulatory exercise

In today’s economic conditions of high inflation, high interest rates, deposit volatility, and recession risk, it is important that your institution continues to translate these economic conditions into balance, income, and capital projections.

Source: Moody’s

  • Banking
Read more
whitepaper
Funding risks, weaker profitability and turn in asset quality will test bank credit strength

US banks continue to contend with interest rate and asset-liability management (ALM) risks with implications for liquidity and capital, as the wind-down of unconventional monetary policy drains systemwide deposits and higher interest rates depress the value of fixed-rate assets.  

Source: Moody’s Ratings

  • Banking
  • Credit risk
Read more
whitepaper
Survey of US banks’ commercial real estate finds rollover, credit and monitoring risks

Asset risk is rising in commercial real estate (CRE) portfolios, increasing the likelihood of credit losses for US banks, which provide over 50% of US CRE debt financing. To more fully assess CRE risks, in June we surveyed 55 rated US banks on their CRE loan portfolios. 

Source: Moody’s Ratings

  • Banking
  • Commercial properties
Read more
whitepaper
Syndicated and private lenders will spar as LBOs revive, upping systemic risks

We believe large banks in the publicly syndicated loan market – which have lost significant leveraged loan share to private credit rivals in recent years – will be competing aggressively as new LBOs emerge. This will likely cause pricing, terms and credit quality to erode, fueling systemic risks.

Source: Moody’s Ratings

  • Banking
  • Private credit
Read more

The Moody’s difference

Moody’s brings together the best of data, experience and best practice capabilities, with our specialized and agile intelligence, to empower organizations like yours to have the confidence to act on plans.

Guidance and training

Leveraging our long history in risk expertise, our expansive resources, and an innovative application of technology, we offer a wide range of immersive training programs for retail and commercial bankers.

Expertise

We’ve been a trusted collaborator for financial institutions for over 100 years.

Intelligence

We have more data and better insights than our competitors – from private and public financial statements, to award-winning models, economic scenarios to Climate and ESG data.

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Speak to our team

Interested in learning more about our offerings? Our solutions specialists are ready to help.