OakNorth Credit Intelligence Suite

ON Credit Intelligence Suite is proven cloud software that is transforming commercial lending with banks around the world. Our customer banks build deeper relationships with their clients, and open new, more profitable opportunities to lend, much more quickly, with lower risk and greater efficiency.


Portfolio insights

Using just 15-20 key data points from banks' spreading and core banking systems, OakNorth’s software integrates over 200 proprietary, subsector-specific, stress scenarios with regional overlays. These scenarios incorporate assumptions for impacts on key financial metrics such as revenue, operating costs, working capital and CAPEX.

These factors can be dynamically customized to reflect the lender’s credit risk criteria and appetite. The point in time analysis runs when a borrower’s financials are first uploaded, and will refresh whenever new financial information is provided, ensuring you always have the most up-to-date overview of your portfolio. This enables you to quickly determine the subsector-specific impact on your portfolio from events such as climate change or COVID-19, for example. Importantly, this tool can be run in 72 hours with a simple data export from existing systems.

Automated credit analysis

OakNorth provides you with a 360 degree view of your borrower so that you can reach faster and better data-driven credit decisions. We generate financial forecasts on subsector specific scenarios so that you have a precise and consistent forward look for each loan in your portfolio. This is combined with intuitive charts on sector and macro drivers to highlight the most important external factors affecting your borrower’s financial performance. Our software also provides a comparable analysis across millions of relevant companies so that you can quickly compare your borrower’s performance against their peers. All of this analysis is refreshed automatically as new data points become available.

With OakNorth’s credit analysis, Credit Analysts have the data to recommend more accurate credit decisions, and Relationship Managers are armed with knowledge of a borrower’s sector trends and forecasts to help make their customers more successful.


Loan monitoring

The software analyzes each borrower’s data in the context of its geography and sector. We monitor billions of data points to detect anomalies in your loan book and alert you when a portfolio, transaction, loan, or borrower needs attention.

Relationship Managers have all the information they need and more for check-ins or annual reviews with their customers and to continue lending with confidence. We also have options for integrating with other bank systems so that your team can work smarter, not harder.

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