Business and Services Credit Assessment
First, we integrate multiple information and monitoring sources across more than 100 countries to bring a proactive Credit Risk management approach to your business.
Credit Risk Monitoring and Classification
A comprehensive, personalized support service for the company's risk decision-maker—whether the Credit Manager, the CFO, or the Risk Committee.
For one thing, credit risk is dynamic, persisting throughout the entire relationship with a client. That is why a static analysis makes little sense. At CRC, we offer active monitoring so that you are aware of the true situation and the accurate credit risk classification of your clients at all times.
Furthermore, our system allows for the integration of internal elements into the decision model:
Incident history
Commercial and strategic assessment
Profitability
Benefits: Control and reduction of delinquency, increase in profitable sales, and optimized risk management based on a portfolio approach.
Approval of Limits and Credit Scoring
Structured, well-founded credit decisions aimed at fostering profitable growth.
We rely on a team of senior analysts to recommend and assign risk limits. Drawing on external data, internal knowledge, and direct contact, they provide a well-founded credit opinion that nonetheless reflects an internal manager's perspective.
Therefore, we rely on our own corporate scoring models though always in combination with expert assessment.
Benefits: Minimizing credit risk, making structured Credit Scoring decisions, and optimizing sales efforts to focus on low-risk customers.
Software for Business Scoring Models
Online platform for accessing and managing information on the risk portfolio, designed by and for financial decision-makers.
At CRC, we understand the immense value of having a proprietary information system. Our software enables the integration of internal and external information, as well as elements of corporate policy.
Access all constantly updated tracking information:
Economic, financial, and asset analysis.
Market and internal sector information.
Real-time Credit Scoring assessments.
Advanced reporting and custom dashboards.
Key Benefits
24/7 multi-device access to risk information.
Standardization of decision-making criteria.
Reduction of response times for the sales network.
Sales Prospecting and Credit Risk
Support for commercial expansion into new products or markets while mitigating associated risk.
Consequently, launching new products or opening new markets requires a deep understanding of competitive conditions and real growth potential.
We provide a comprehensive analysis and evaluation of:
Market situation and real opportunity.
Identification and qualitative analysis of potential clients.
Assessment of Credit Risk management, purchasing potential, and positioning.
Corporate Due Diligence and Credit Assessment
For corporate mergers and acquisitions transactions.
When determining a company's valuation, it is essential to have a rigorous corporate credit assessment to understand the types of risks, their concentration, and the risk of insolvency. CRC conducts an in-depth study that includes:
Qualitative analysis of buyers.
Risk portfolio map and delinquency history.
Strategic recommendations for risk mitigation.
Improvement of corporate procedures
Design, improvement, and implementation of the company's credit policies and procedures.
Finally, we offer consulting services to assess the current situation, procedures, and organizational structure. Our recommendations regarding Credit Risk management policies and management indicators will ensure the long-term viability of your business.