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Credit Data Manipulation

Credit analysis has traditionally been associated with spreadsheets.  Spreadsheets have the great advantage of being mostly free, and they can be readily altered. 

In a credit research context, spreadsheets have limits.  These include difficulty of cross-spreadsheet comparisons, consistent fielding of like credits within the same sector or industry, undetected spreadsheet error, saving / maintaining historical spreadsheets for credit research, and the sheer volume of spreadsheets needed to track many credits.  

CreditScope credit analysis software eliminates the limitations of spreadsheet systems, while adding features that dedicated software can provide.  This creates more time for credit analysis.  Time and more analytical power - in less time - are what many analysts ask for.  This is one reason that rating agencies and bond insurers are among the many institutions using CreditScope.

CreditScope comes optionally pre-populated with credit data.  Same-industry credits are consistently spread across similar sectors or industries, while still maintaining access to scanned audit images.  Credit analysts do not lose transparency to the documents behind those numbers, because a link to the source document is provided in the software.  

Multiple ratings sources are also maintained.  While NRSROs may provide their credit analysis software and data, this data typically includes one set of ratings: their own. CreditScope’s credit data includes access to multiple ratings on a credit, in one place, at one cost.

At Investortools, we also understand that credit analysis and portfolio management are not unrelated tasks.  The CreditScope software tackles that problem as well.