Risk rating
The limits are yours.The math stays visible.
Your established policy limits live on one tab the bank controls. Change a limit and every workbook follows. Each ratio carries its grade, its source, and the year it came from, so two officers reviewing the same borrower work from the same standard.
- One tabPolicy limits the bank owns
- Every ratioGraded and sourced
- StampedPolicy set printed on the memo
What this review covers
No hidden scoring
The limits are values on a worksheet, not logic buried in code. Anyone in the credit department can read exactly why a request graded the way it did.
One standard across officers
Because the limits live in one place, a request does not grade differently depending on which lender opened the file.
A record of what was in force
The memo records the policy set and its approval date. If the tab is edited afterward, the document flags itself on the next print.
The scale
Every grade has a written reason
Move down the ladder to read what separates one grade from the next. The wording lives on your policy tab, not in the code.
An eight point scale shown as an example. The definitions and the limits are yours to set.
How grading works
From ratio to composite grade
Ratios
Each ratio is measured against its limit
Coverage, leverage, liquidity, and the ratios your policy adds are calculated from the spread and compared to your policy limits. Green passes, amber is watch, red fails.
Composite
The grades roll into one number
The composite grade is weighted the way your policy weights it. The contribution of every component is shown on the same page, so the result is never a black box.
Income
Grading reads from the spread, not a summary
The ratios are calculated from the same financial statements the analyst built. There is no separate rating sheet to keep in sync with the file.
The index
What the rating gives you
- 01
Bank controlled limits
Every threshold lives on one policy tab.
- 02
Ratio level grades
Pass, watch, and fail applied ratio by ratio.
- 03
Weighted composite
One grade produced from components you can inspect.
- 04
Policy stamp
The set and approval date printed on every memo.
- 05
Change detection
Edited limits flag the document on the next print.
- 06
Consistency across lenders
The same borrower grades the same way in any officer's hands.
- 07
Exam ready output
The record explains itself without reconstruction.
- 08
Applies to every review
Consumer, commercial, ag, and global use the same limits.
Also in the suite