Credit Risk Analysis Excel Model – Financial Analysis, Exposure, Credit Limits & Decision Dashboard

Risk Management PRO is a ready-to-use Excel model designed for structured corporate credit and financial analysis. It combines company and counterparty information, three-period financial statement analysis, integrated FX conversion, credit exposure, requested credit limits, payment terms, mitigation factors, deterministic scoring, structured recommendations and an executive dashboard in one consistent workflow.

What the model covers

• Company and counterparty assessment • Balance Sheet and Income Statement analysis • T-2, T-1 and T0 financial comparison • Liquidity, leverage, indebtedness and profitability indicators • Integrated FX conversion • Current and requested credit exposure • Requested credit limits and projected peak exposure • Payment terms, mitigation and group-support inputs • Deterministic risk scoring and classification • Structured credit recommendations • Executive decision dashboard

Designed for credit professionals

The model was built for credit analysts, finance professionals, risk teams and decision-makers who need a practical and traceable way to organize information and support credit decisions without macros, VBA or opaque black-box scoring.

Scores are analytical decision-support scores and should not be interpreted as probabilities of default.

AI-ready reporting workflow

Risk Management PRO also prepares structured information for use with a preferred AI assistant. The AI-generated narrative remains separate from the underlying analytical logic: scoring and recommendations continue to be produced through deterministic rules.

What is included

• Complete English workbook • Complete Spanish workbook • Complete Brazilian Portuguese workbook • User Manual • Quick Start Guide • FAQ

The model is best suited to corporate and commercial credit reviews, periodic reviews, counterparty assessment and transaction-level decisions where reliable financial and commercial information is available.

Important: Microsoft Excel is required. External bureau checks, internal credit policies and professional judgment remain complementary to the tool.