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Lending

Banks struggle with outdated systems, slow data entry, and confusing processes. To stay profitable amidst growing risks, they need innovative solutions.

Moody's Lending Suite offers a smart, automated solution for effective loan management and confident credit decisions, harnessing advanced analytics and AI to deliver a seamless credit experience.

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How can we help?

Make confident credit decisions and effectively manage your loan portfolio with an end-to-end loan origination system.

01
Turn risk into opportunity

Use integrated risk metrics for scoring credit applications, with data visualization and expert support for identifying risks and opportunities.

02
Streamline decisions

Enhance decision time with seamless approval workflows, GenAI credit memo creation, and system integration for better data integrity and transparency.

03
Focus on strategy

Minimize manual work with AI-enabled automation for financial spreading and document orchestration
so you can focus on growth initiatives.

04
Improve customer experience

Provide borrowers with an intuitive digital experience from intake to close with clear communication and simple document exchange.

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Speak to our team today

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Numerated acquisition​

Expanding our capabilities across the credit lifecycle

Moody’s continues to enhance its Lending Suite by acquiring Numerated

Numerated

What this means for our customers

Customers of both Moody's and Numerated will be able to access a comprehensive, end-to-end loan origination and monitoring solution. This acquisition seamlessly blends Numerated’s technology with Moody’s industry-leading rating, scoring, and underwriting capabilities powered by award-winning models, scorecards, and data.

Press release

Delivering solutions to address demands from the industry

This move follows a successful partnership combining Numerated’s front office, loan operations, and automation capabilities with Moody’s credit assessment, underwriting, and monitoring solutions.

Moody’s is bringing Numerated’s technology and expertise in-house to offer a complete solution across all roles and all asset classes within a bank.

Offering a better service for small business lending customers

The acquisition allows us to offer a tailored experience and capabilities for small business lending with a set of tools to support compliance programs for evolving regulations, like Section 1071.

A shared commitment to innovation

Acquiring Numerated is part of our ongoing investment in our lending solutions to better meet our clients needs quicker.

Numerated’s technology combined with Moody’s credit risk management experience, insights, and investment in AI allows us to keep innovating our Lending Suite.

Moody's Lending Suite

Moody's Lending Suite

Gain confidence across the credit lifecycle

Your organization has customers, strategic initiatives, and growth goals that all need your attention. With Moody’s Lending Suite, focus your efforts on building relationships and maximizing new opportunities without sacrificing credit risk management.

Solutions

01 Front office

Front office

Simplify commercial loan applications across all assets with a convenient digital process:

  • Digital loan application

  • Secure document collection
     

  • Target for profitability

  • Proactive KYC screening

More on our front office solution
02 Credit assessment

Credit assessment

Automate workflows and confidently assess borrower risk with in-house or Moody’s award-winning models:

  • AI-enabled spreading automation

  • Robust financial analysis

  • Integrated content

  • Model lifecycle management

More on credit assessment
03 Underwriting and decisioning

Underwriting and decisioning

Make quicker and more informed decisions with an integrated system for data, market insights, and forecast scenarios:

  • Deal structuring

  • GenAI-generated credit memo

  • Loan conditions and policy expectations

More on underwriting and decisioning
04 Loan operations

Loan operations

Finish strong and close out approved loans faster with complete data, automated closing document creation, and easy document exchange:

  • Complete data compilation

  • Auto-generated loan documents

  • Document exchange

  • E-signatures

  • Core banking integration

More on loan operations
05 Monitoring

Monitoring

Quickly ingest and visualize data for a meaningful view of your commercial portfolio, and leverage AI tools to prioritize your focus on developing risk and opportunities for growth:

  • Automated covenant management

  • Early risk detection

  • What-if analysis

  • Data ingestion

More on our loan monitoring solution

Front office

Simplify commercial loan applications across all assets with a convenient digital process:

  • Digital loan application

  • Secure document collection
     

  • Target for profitability

  • Proactive KYC screening

More on our front office solution

Credit assessment

Automate workflows and confidently assess borrower risk with in-house or Moody’s award-winning models:

  • AI-enabled spreading automation

  • Robust financial analysis

  • Integrated content

  • Model lifecycle management

More on credit assessment

Underwriting and decisioning

Make quicker and more informed decisions with an integrated system for data, market insights, and forecast scenarios:

  • Deal structuring

  • GenAI-generated credit memo

  • Loan conditions and policy expectations

More on underwriting and decisioning

Loan operations

Finish strong and close out approved loans faster with complete data, automated closing document creation, and easy document exchange:

  • Complete data compilation

  • Auto-generated loan documents

  • Document exchange

  • E-signatures

  • Core banking integration

More on loan operations

Monitoring

Quickly ingest and visualize data for a meaningful view of your commercial portfolio, and leverage AI tools to prioritize your focus on developing risk and opportunities for growth:

  • Automated covenant management

  • Early risk detection

  • What-if analysis

  • Data ingestion

More on our loan monitoring solution

Tailored to meet you needs

cre
Lending Suite for Commercial Real Estate

The Lending Suite streamlines CRE lending processes, enhancing decision-making and risk management. It combines Moody's advanced analytics, Gen AI, and market insights to help banks efficiently evaluate loans and monitor their CRE portfolios. This tailored solution empowers lenders to quickly identify and address potential issues, optimizing their CRE lending operations.

More on our CRE offering
agriculture
Lending Suite for Agriculture

Moody's Lending Suite for Agriculture enhances the handling of Ag credit requests, offering a tailored solution that simplifies decision-making in the unpredictable Ag sector. Drawing on extensive experience and insights, it prepares lenders to tackle the unique challenges of volatile markets, cyclical production, and complex operations, providing unmatched support to the global agricultural community.

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The Moody’s difference

Moody’s brings together the best of data, experience and best practice capabilities, with our specialized and agile intelligence, to empower organizations like yours to have the confidence to act on plans.

Guidance and training

Leveraging our long history in risk expertise, our expansive resources, and an innovative application of technology, we offer a wide range of immersive training programs for retail and commercial bankers.

Expertise

We’ve been a trusted collaborator for financial institutions for over 100 years.

Intelligence

We have more data and better insights than our competitors – from private and public financial statements, to award-winning models, economic scenarios to Climate and ESG data.

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Speak to our team

Interested in learning more about our offerings? Our solutions specialists are ready to help.