Corporate Credit Assessment Excel Model – Financial Statements, Exposure, Limits & Risk Scoring

Risk Management BASIC 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, transaction assessment, current and requested 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, profitability and trend indicators • Integrated FX conversion • Transaction assessment • Current and requested credit exposure • Requested credit limits and projected peak exposure • Payment terms and mitigation factors • Group-support information • Deterministic risk scoring and classification • Structured credit recommendations • Executive dashboard with key decision outputs

Designed for corporate credit analysis

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.

Transaction and exposure layer

Financial analysis includes Balance Sheet and Income Statement inputs, liquidity, leverage, indebtedness, profitability and trend indicators across T-2, T-1 and T0.

The transaction layer adds current exposure, transaction value, requested credit limit, projected peak exposure, payment conditions and applicable mitigation or group-support information.

Focused deterministic workflow

Risk Management BASIC is focused on the deterministic credit-analysis workflow itself. It does not include the AI-ready reporting workflow available in Risk Management PRO.

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.