Credit Risk Surety

Credit Risk Surety, LLC

SuretyScoresm

  • SuretyScoresm is a proprietary commercial credit risk rating model designed for all lending institutions. Whether you have a large business loan portfolio or are in the beginning stages of building a profitable business loan program, SuretyScoresm will help you determine risk, establish appropriate pricing, and facilitate safe and sound underwriting practices for commercial loans. In addition, SuretyScoresm includes a separate model specifcally designed for church lending.

  • How a financial institution selects systems and manages credit risk is critically important to its performace over time.

  • The prototype to SuretyScoresm was used over a twelve-year period.

    Results:

    • Tested on a large commercial loan portfolio with losses totaling only .16%

    • Average weighted rate Prime + 2.38%

    • Losses did not occur in seven of the twelve years



    What makes SuretyScoresm unique? Strengths and weaknesses are accurately defined and properly weighted to mitigate losses and price according to risk. It was designed by lenders for lenders.