Bank Credit Risk Management

Credit Consensus Data for Bank Credit Risk Management


Why Credit Benchmark?

Better identify, quantify, and monitor your credit risk leveraging Credit Consensus data

Since 2015 Credit Benchmark has been producing Credit Consensus Ratings & Analytics by bringing together the internal risk views of ~40 of the world’s largest banks (almost half of which are GSIBs).

Credit Consensus Ratings on 100,000+ individual obligors (less than 10% with external ratings) enable banks to maximise their available information set to enhance their risk management and decision-making across the client lifecycle. Enhanced behavioural analytics ensure banks are fully informed on how their portfolio performance compares to the market.

Screenshot of Credit Benchmark's webapp on desktop, tablet and mobile devices. The image displays pages with information about aggregates, companies' credit scores and settings. On the desktop view, the page shows a graph with credit score distribution. On the tablet and mobile views, the page shows a list of companies with their corresponding credit scores. The background of the webapp is white with blue and gray accents.


How we can help your business

Case Study

  The Client
A major UK-based bank.

The Challenge
Leveraging external data in the end-to-end client risk management lifecycle, including origination, initial onboarding, annual reviews, early warning framework, thematic portfolio insights and distribution.

The Solution
Credit Benchmark’s comprehensive coverage at an individual entity and portfolio level has allowed the bank to embed the data in a systematic manner across the client lifecycle. When compared to existing external data sources, Credit Benchmark’s coverage was in excess of 75% of balance sheet utilisation and as such able to provide meaningful insights across the portfolio. Additionally, due to the data exchange model where the bank received access to the full dataset (not just where there is overlap with their portfolio), Credit Benchmark’s data has been a valuable source of insight on the broader market both at the point of inception of the client relationship and throughout the traditional lifecycle.

Credit Benchmark’s thematic portfolio analysis has been embedded in a myriad of different senior management forums, allowing extensive use of the dataset and custom reporting suite to provide pertinent and valuable insights into the performance of the bank’s portfolio.

Seamless integration of the bank’s data with the Credit Benchmark’s outputs has been key to successful implementation, including utilising the fortnightly updates as a key input into an Early Warning framework.

In Numbers

The Benefits of Consensus Credit Data

Rating the unrated

Unparalleled coverage of public and private issuers; filling the gaps left by traditional ratings agencies.


Free from “issuer-pays” conflict and any bank bias.

Real-world exposure

Driven by the credit views of >40 of the world’s largest regulated banks, almost half of which are GSIBs.

Identify that entity

Risk data is processed through a sophisticated purpose-built mapping engine.


The consensus is refreshed twice monthly to provide dynamic indicators of potential credit risk changes.

Alerting and monitoring

Assess risk over the lifetime of a transaction.

Secure reporting

Ease of internal integration within reporting.

Expanding footprint

A unique growing global dataset.

Risk Solutions

Other Solutions

Understand your risk

Request a coverage check of your portfolio & access unique insights and analysis from our exclusive, contributed credit risk dataset.

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    Credit Benchmark brings together internal credit risk views from over 40 leading global financial institutions. The contributions are anonymized, aggregated, and published in the form of consensus ratings and aggregate analytics to provide an independent, real-world perspective of credit risk. Risk and investment professionals at banks, insurance companies, asset managers and other financial firms use the data for insights into the unrated, monitoring and alerting within their portfolios, benchmarking, assessing and analyzing trends, and fulfilling regulatory requirements and capital.