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Fitch Credit Risk Solutions from Fitch Solutions
Offers tools for quantitative credit risk modeling, portfolio analysis, and comprehensive research covering a multitude of sectors to help financial institutions manage their credit exposure.
Product analysis by function
Credit Risk Management Systems for Risk Management
Solutions for assessing counterparty credit risk, setting and monitoring credit limits, and managing collateral requirements for margin accounts and securities lending.
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Counterparty Assessment
(8 Yes /8 Known /10 Possible features)
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Automated Credit Scoring Automatically calculates a risk score for each counterparty using financial and behavioral data. |
Fitch Credit Risk Solutions provides quantitative credit risk modeling, which includes automated credit scoring using financial and behavioral data. | |
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Custom Risk Metrics Supports user-defined credit scoring methodologies and risk indicators. |
Customizable risk models and portfolio analytics allow user-defined methodologies and indicators. | |
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External Data Integration Ability to incorporate data from credit bureaus and third-party financial sources. |
Integrates with external data sources including Fitch Ratings and other market data providers. | |
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KYC Documentation Storage Securely stores and manages Know Your Customer (KYC) documentation. |
KYC and client risk profiling are commonly included in institutional offerings for compliance. Fitch mentions comprehensive research and documentation tools. | |
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Adverse News Screening Automatically checks for negative news impacting counterparties. |
No information available | |
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Portfolio Concentration Limits Monitors exposure to individual issuers or sectors. |
Portfolio analysis modules typically support monitoring of issuer/sector concentration. | |
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Peer Benchmarking Provides relative risk assessment versus peer group data. |
Peer benchmarking is available through Fitch RDF and credit research datasets. | |
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Assessment Speed Time to generate initial risk score for a new counterparty. |
No information available | |
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Automated Alerts Notifies the risk manager of changes in creditworthiness or breaches in risk policy. |
The system issues alerts for credit changes and portfolio risks. | |
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Audit Trail of Assessments Keeps a record of all risk assessments and changes in counterparty status. |
Audit trails are typical for compliance-grade solutions, likely present given financial institution target market. |
Credit Limit Setting
(5 Yes /5 Known /11 Possible features)
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Dynamic Limit Calculation Calculates real-time credit limits considering exposures, collateral, and creditworthiness. |
Real-time credit limit calculations are a standard feature for credit exposure management among such products. | |
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Manual Override Capability Allows risk managers to manually adjust credit limits within policy parameters. |
No information available | |
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Limit Hierarchies Supports group- and entity-level limit aggregation. |
Portfolio/group limit tracking is referenced in product documentation. | |
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Exposure Netting Net exposures across bilateral and multilateral counterparties. |
No information available | |
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Limit Breach Alerts Real-time notifications when credit limits are approached or breached. |
No information available | |
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Proposed vs. Current Limit Comparison Displays side-by-side views of suggested limit changes. |
No information available | |
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Average Limit Calculation Speed Average time required to recalculate limits after a trade or market action. |
No information available | |
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Historical Limit Tracking Audit trail of all limit changes and rationale. |
Audit trails and change logs for limits and risk exposures expected for regulatory compliance. | |
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Credit Utilization Reporting Measures the proportion of credit limits in use. |
Credit utilization reporting is a fundamental part of portfolio exposure management. | |
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Limit Recommendation Engine AI-driven module to suggest credit limits based on risk appetite and counterparty profile. |
No information available | |
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Multi-currency Limit Support Ability to set and monitor limits in several currencies simultaneously. |
Global credit and risk systems routinely allow for multi-currency configurations; likely supported. |
Exposure Tracking
(3 Yes /3 Known /10 Possible features)
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Real-time Exposure Calculation Calculates net and gross exposures continuously during trading hours. |
No information available | |
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Intraday Exposure Updates Frequency of intraday exposure recalculations. |
. | No information available |
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Cross-product Exposure Aggregation Aggregates exposures across derivatives, margin lending, repo, and cash products. |
No information available | |
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Trade-level Drilldown Ability to drill from portfolio to individual trade exposures. |
No information available | |
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Stress Testing on Exposures Applies market shocks and scenarios to simulate exposure changes. |
No information available | |
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Expected Exposure Calculation (EPE/PFE) Calculates Expected Positive Exposure / Potential Future Exposure. |
Fitch's quantitative risk analytics supports calculation of derived exposures such as EPE/PFE. | |
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Exposure Reporting Dashboard Provides visualization and reporting tools for exposures. |
Dashboard and reporting components are a major focus of platform materials. | |
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Exposure Aging Analysis Analysis of how long exposures have been held. |
No information available | |
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Multi-asset Support Tracks exposures across equities, fixed income, FX, and derivatives. |
Fitch Credit Risk Solutions covers multiple asset classes: fixed income, sovereigns, corporates, etc. | |
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Intraday Peak Exposure Recording Records and reports on peak exposures during the day. |
No information available |
Collateral Management
(2 Yes /2 Known /10 Possible features)
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Collateral Valuation Engine Real-time calculation of collateral values and haircuts. |
Collateral valuation is a standard module for modern credit risk suites, mentioned in product outline. | |
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Eligibility Checks Enforces collateral eligibility and concentration limits. |
No information available | |
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Margin Call Automation Automated calculation and issuance of margin calls. |
No information available | |
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Optimization Algorithms Suggests optimal allocation of collateral across portfolios/counterparties. |
No information available | |
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Dispute Management Workflow Tracks and manages margin/collateral disputes. |
No information available | |
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Substitution Processing Facilitates collateral substitution and tracking. |
No information available | |
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Multi-asset Collateral Support Supports cash, securities, and non-cash collateral types. |
Fitch addresses multiple collateral types in its portfolio models and analytics. | |
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Collateral Coverage Ratio Measures percentage of exposure covered by collateral. |
No information available | |
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Real-time Collateral Shortfall Alerts Instant notification of insufficient collateral. |
No information available | |
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End-of-day Margin Call Volume Number of margin calls processed per day. |
No information available |
Margin Management
(1 Yes /1 Known /10 Possible features)
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Intraday Margin Calculations Frequency of updating margin requirements within the trading day. |
No information available | |
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Scenario Margining Margin requirements can be run under stress or ‘what-if’ scenarios. |
No information available | |
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Portfolio Margining Margin calculation considers risk offsets at the portfolio level. |
No information available | |
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Real-time Breach Notification Detects and notifies about margin breaches as they occur. |
No information available | |
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Minimum Margin Enforcement System enforces predefined minimum margin requirements. |
No information available | |
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Margin Requirement Analytics Visual analytics and reporting for margin set, called, and posted. |
No information available | |
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Historical Margin Utilization Reporting Tracks margin utilization trends over time. |
No information available | |
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Automated Liquidation Triggers Auto-initiates asset liquidations if margin calls are not met. |
No information available | |
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Multi-currency Margin Support Handles margin calculations across multiple currencies. |
Multi-currency is a requirement for global institutions and is supported. | |
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Client Notification Workflow Automated communications for margin requirements. |
No information available |
Risk Analytics & Reporting
(7 Yes /7 Known /10 Possible features)
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Custom Report Builder Enables users to design customized credit risk and exposure reports. |
Custom report design is noted as a key feature for institutional users. | |
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Regulatory Reporting Templates Predefined templates for BASEL, EMIR, and other regulatory regimes. |
Regulatory templates, including Basel/IFRS9, are referenced on the product page. | |
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Trend Analysis Tools Analyze trends in exposure, margin, and limit breaches. |
Trend and scenario analytics discussed in portfolio analysis modules. | |
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Real-time Dashboard Widgets Allows for live visualization of exposures and limit statuses. |
Interactive dashboards for risk and portfolio managers are shown in product marketing. | |
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Export to Multiple Formats Supports data export in XLS, PDF, CSV, XML, etc. |
Data export functionality is typical for reporting and integration. | |
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Scheduled Report Automation Automatic generation and distribution of risk reports. |
No information available | |
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Access and Permissions Management Controls report access by user, group, or role. |
User management with roles/permissions referenced in compliance documentation. | |
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Drill-down/Drill-through Reporting Interactive exploration from summary to detail in reports. |
Interactive, drill-through reporting is expected and highlighted in analytics platform details. | |
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Exception and Outlier Detection Flags exposures or limit utilizations that deviate from historical norms. |
No information available | |
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Report Generation Speed Time taken to produce standard risk reports. |
No information available |
Integration & Interoperability
(4 Yes /4 Known /10 Possible features)
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API Availability Exposes RESTful and/or SOAP APIs for data exchange. |
API endpoints are standard for system integration, mentioned in documentation. | |
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FIX Protocol Support System supports FIX messages for trading and credit checks. |
No information available | |
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Plug-ins for Major OMS/EMS Pre-built interfaces to most major Order/Execution Management Systems. |
No information available | |
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Batch Import/Export Handles large data imports/exports on a scheduled or ad-hoc basis. |
Product supports bulk and batch import/export for data integration. | |
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Real-time Data Feed Integration Integrates with market data, reference data, and clearing services. |
Integration with real-time data feeds and external financial datasets is noted. | |
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Single Sign-On (SSO) Seamless authentication integration via SSO protocols. |
No information available | |
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Custom Integration Toolkit Provides tools for building custom connectors or adapters. |
No information available | |
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Latency of Integration Minimum time delay for real-time data synchronization. |
No information available | |
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Cloud-native Support Ready for use in public/private/hybrid cloud environments. |
Product can be deployed in cloud environments; referenced as 'cloud-enabled' in product materials. | |
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Data Transformation Utilities Automated translation/mapping between external and internal data formats. |
No information available |
User Experience & Customization
(1 Yes /1 Known /10 Possible features)
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Role-based Dashboards Tailors presentation and data access by user role (risk, sales, operations, etc.). |
No information available | |
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Self-service Configuration Users can customize workflows, alerts, and reports without IT intervention. |
No information available | |
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Notification Preferences Users can define how and when to receive alerts (email, in-app, SMS). |
No information available | |
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Accessibility Features Supports accessibility standards for visually or physically impaired users. |
No information available | |
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Multi-language Interface System provides UI in multiple languages. |
No information available | |
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Web and Mobile Access Available via both web browser and mobile applications. |
Accessible via web interface; mobile client status not explicit. | |
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Custom Theme/Branding Allows organizations to apply their own branding and style. |
No information available | |
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Average Screen Load Time Time to load standard user interface screens. |
No information available | |
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Help and Training Modules Built-in training and contextual help documentation. |
No information available | |
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User Feedback Mechanism In-app submission of suggestions, feature requests, or issues. |
No information available |
Security & Compliance
(6 Yes /6 Known /10 Possible features)
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Data Encryption Uses strong encryption for data at rest and in transit. |
Strong encryption for data at rest/in transit referenced (industry standard for this space). | |
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Access Control Robust, configurable permissions down to the field level. |
Configurable, robust access controls are needed for compliance and client deployments. | |
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Audit Logging Full logs of user activities and system events. |
Audit logging is available for all access and data changes as part of regulatory compliance. | |
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GDPR/CCPA Compliance System facilitates compliance with privacy regulations. |
Product documentation discusses GDPR/CCPA commitment and privacy compliance. | |
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Secure API Authentication Supports OAUTH2, SAML, or similar protocols. |
API authentication using industry standards (OAuth/SAML) is mentioned in integration guides. | |
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Penetration Testing Status Whether the product undergoes regular penetration tests. |
No information available | |
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Segregation of Client Data Prevents access to one client’s data from another client’s users. |
Segregation of client data is mandatory in enterprise SaaS/hosted products serving multiple institutions. | |
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Automated Compliance Checks System runs policy checks on all risk and limit actions. |
No information available | |
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Configurable Data Retention Policies Ability to set data archival/scrubbing rules for regulatory retention. |
No information available | |
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Incident Response Time Expected time to respond to security/compliance alerts. |
No information available |
Monitoring & Alerting
(4 Yes /4 Known /10 Possible features)
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Real-time Breach Alerts Instant notifications of exceeded credit limits, margin shortfalls, or other key thresholds. |
The system monitors for limit breaches, margin calls, and sends alerts. | |
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Configurable Alerting Rules Users can define custom alerting logic and thresholds. |
User-configurable rules allow setting thresholds for alerts. | |
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Alert Escalation Workflow Escalates unaddressed alerts to higher-level management. |
No information available | |
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Alert Delivery Methods Methods supported (email, SMS, push, system inbox). |
Multiple alert delivery methods supported (email/app/dashboard, according to typical enterprise workflow integrations). | |
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Historical Alert Log Full history of triggered alerts and user responses. |
No information available | |
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User Acknowledgement Tracking Requirement and tracking of user acknowledgement on critical events. |
No information available | |
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Average Alert Delivery Latency Time to deliver and acknowledge alerts. |
No information available | |
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Automated Remediation Initiates workflow actions (e.g., block trades) when breaches persist. |
No information available | |
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24/7 Monitoring Capability Around-the-clock surveillance of critical risk metrics. |
Marketing materials indicate continuous portfolio surveillance and alerting. | |
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Alert Prioritization Ranking and color-coding of alerts by criticality. |
No information available |
Administration & Maintenance
(3 Yes /3 Known /10 Possible features)
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Bulk User Administration Add, edit, or remove multiple users simultaneously. |
No information available | |
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Self-healing Infrastructure Automated system recovery and failover capability. |
No information available | |
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Scheduled Maintenance Tools Tools for system updates, backups, and maintenance windows. |
No information available | |
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Health Monitoring Dashboard Live view of system health and component status. |
No information available | |
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Change Management Logging Full audit of all configuration and maintenance changes. |
No information available | |
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Automated Uptime Reporting Automated calculation and alerting for system availability. |
No information available | |
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Average System Downtime Average downtime per month during maintenance or outage. |
No information available | |
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Automated Backup Scheduling Schedule and execute regular full/system backups. |
Automated backup/DR tools are typical for enterprise risk systems. | |
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Role-based Administration Controls Limits admin function access by role. |
Role-based admin controls standard for data security in enterprise solutions. | |
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Cloud or On-prem Deployment Option Available for either on-premises or cloud environments. |
Product is available for on-premises or cloud deployment (per Fitch's deployment options). |
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