PayNet AbsolutePD produces statistical estimates of Probabilities of Default (PD) for each business borrower in a lender’s portfolio – up to eight quarters ahead. This is done by combining current macroeconomic information with payment histories from PayNet's comprehensive proprietary database of term debt contracts.
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About PayNet AbsolutePD Dataset
PayNet AbsolutePD delivers an absolute measure of credit risk at both the borrower and portfolio level. Each forecast is powered by the quarterly calibration of:
Every quarter PayNet delivers a complete dataset (e.g. Excel) of the entire portfolio that includes each borrower’s eight-quarter PD forecast, loan performance and condition summary. Online access is also available using AbsolutePD® Portfolio Manager.
AbsolutePD provides a consistent, transparent and objective loan management process mandated by management, auditors, regulators and investors.
To purchase AbsolutePD or to learn more about how it can benefit your portfolio management and capital allocation, contact us today.
AbsolutePD is beneficial to all six functions in the lending process.
Provides an absolute measure of credit risk at both the borrower and portfolio level.
Automates the portfolio review process for less expensive, more frequent reviews and lower credit losses and provision surprises.
Rates millions of small business borrowers when current or reliable financial statements are unavailable.
Generates quantitatively-driven, granular risk ratings to meet regulatory demands.
Assimilates the unique blend of powerful macroeconomic factors and extensive small-business borrower and contract-level history derived from our proprietary term-debt database.