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Commercial Credit Modeler – Portfolio Analysis & Credit Loss Mgmt

Our suite of programs provides a commercial credit risk mgmt solution that is completely unique to Treasury, Credit and Collections. We enable you to organize you’re A/R portfolio into classes of businesses where you can visualize the risk associated with those businesses, and then make informed credit decisions.

When you see where risk lies in your portfolio, you are then able to make proactive credit policy decisions. This is what true risk mgmt is all about, and it is vastly superior to the time intensive practice of chasing delinquencies, after the problems have manifested.

Loss mitigation, improved collections, bank and CECL compliance, all based on default probabilities data and actionable intelligence. And your credit personnel will finally have the tools necessary to significantly reduce losses.

CECL Credit Programs

Free CCM Index

CCM Default Probabilities Program

Credit Table

CECL Calculator for SMBs

CECL Resources

Understanding CECL

6 steps to CECL

Commercial Credit Model User Guide and FAQ

Consulting Services

Questions? Contact Support


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Questions? Contact Support

Commercial Credit Model User Guide and FAQ

Credit Risk Mgmt begins with Default Probability Data

Our default probability models are based on the actual default rates of 'similarly situated businesses'. This graph shows the default rates of businesses with fewer than 500 employees, by industry sector. The values shown from 2012 through 2023 are actuals. The 2024 values are estimates derived from our CCM. Click on industry sectors below to obtain a clear view of credit risk by sector.

2019 was the last normal year (pre-pandemic). Therefore, we use it as a reference point for you to compare current and projected defaults.

Industry2019 Default RateLatest Default Rate
All Industries2.5%2.8%
Leisure and Hospitality3.1%3.2%
Natural Resources2%1.9%
Professional Services3.2%3.7%
Retail Trade3%3.1%
Wholesale Trade2%2.2%