ON Scenario Analysis
Re-underwrite your loan book with a granular, forward-looking view
Identify vulnerable borrowers and move quickly to mitigate risk

FORWARD-LOOKING INSIGHT
Apply your own macro-economic scenarios to OakNorth Credit Intelligence’s granular frameworks to generate a forward-looking view
- Conduct analysis from the overall portfolio and sector level down to the industry (L5 NAICS) and borrower level
- Give your teams the data and tools they need to identify the sources of risk and the underlying drivers behind it
- Apply scenarios that reflect your own internal economic outlook
- Make informed decisions about the risks and opportunities in your loan book based on the anticipated macro-economic shifts

FORWARD-LOOKING INSIGHT
Create and apply your own custom macro-economic scenarios with OakNorth’s library of 20+ variables to generate a forward-looking view
-
Conduct analysis from the overall portfolio and sector level down to the industry (L5 NAICS) and borrower level
-
Give your teams the data and tools they need to identify the sources of risk and the underlying drivers behind it
-
Create configurable scenarios that reflect your internal economic outlook
-
Make informed decisions about the risks and opportunities in your loan book based on the anticipated macro-economic shifts
IMPROVE CREDIT OUTCOMES
Prioritize and rank borrowers, segmenting credits from high to low risk
- Instantly segment your portfolio and rate loans based on vulnerability to address potential credit issues
- Identify high-risk industries in your loan book, investigate further, and support your borrower-level view of industry-specific risk
- Build borrower relationships with a more detailed assessment of their specific industry’s projected performance
- Get projections of how a borrower would perform under various scenarios at a financial metric level
- Formulate a targeted risk mitigation strategy for better capital allocation


IMPROVE CREDIT OUTCOMES
Prioritize and rank borrowers, segmenting credits from high to low risk
-
Instantly segment your portfolio and rate loans based on vulnerability to address potential credit issues
-
Identify high-risk industries in your loan book, investigate further, and support your borrower-level view of industry-specific risk
-
Build borrower relationships with a more detailed assessment of their specific industry’s projected performance
-
Get projections of how a borrower would perform under various scenarios at a financial metric level
-
Formulate a targeted risk mitigation strategy for better capital allocation

CONFIDENTLY LEND THROUGH CYCLES
Take preventive action to continue confidently lending and supporting borrowers through economic cycles
- Identify the macro-economic variables that have the greatest impact on your loan book
- Identify the industries and borrowers that contribute the most to changes in performance
- Make targeted decisions through a nuanced forward-looking view of industry-specific risk
- Support borrowers through turbulent cycles with a more detailed forward-looking view of their industry’s projected performance

CONFIDENTLY LEND THROUGH CYCLES
Take preventive action to continue confidently lending and supporting borrowers through economic cycles
- Identify the macroeconomic variables that have the greatest impact on your loan book
- Identify the industries and borrowers that contribute the most to changes in performance
- Make targeted decisions through a nuanced forward-looking view of industry-specific risk
- Support borrowers through turbulent cycles with a more detailed forward-looking view of their industry’s projected performance
ON Scenario Analysis Product Tour
Take the self guided tour to see how ON Scenario Analysis provides a range of scenarios to identify risk up to 12 months earlier, all with a consistent view across your portfolio, sectors, industries, and borrowers.
“In working with OakNorth (Credit Intelligence), we’ve realized its ON Risk Score was so critical that they’re now preparing it for us on a quarterly basis, so we can now start developing trend analysis, which has been extremely critical in the identification of risk.”
Steve McGlothlin
Executive vice president
“We’re moving very quickly into a world where data must be real time. If the most relevant data we have on a customer is a year old, that is a problem—both from a credit-risk perspective and from a regulatory perspective. So, OakNorth’s (Credit Intelligence) ability to provide us with real-time data and analytics on our borrowers is crucial to SMBC’s continued success.”
Sunil Dayal
(Former) Head of Innovation and Fintech
“Typically, banks only look at backward-looking, historic data. However, using the ON Credit Intelligence Suite, we're able to create a 360-degree, forward-looking view of borrowers by aggregating near real-time data."
Ben Barbanel
Head of Debt Finance
Let's get ON with it
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Data Sheet
ON Scenario Analysis
Run scenarios on your entire loan book without worrying about limited and costly resources, backward-looking data, technology, and modeling capabilities.
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Blog
Evaluating risk in times of uncertainty
By adopting a forward-looking approach, banks and borrowers can make more informed decisions based on foresight as well as insight.
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Podcast
Future of Banking Podcast
Our Head of Sales and Customer Success, Hugh Shannon joins the Future of Banking Podcast for a fireside chat to talk about his career to date and how we're looking to transform the way banks address their commercial lending and credit analysis practices through ON Credit Intelligence.
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TAKE THE NEXT STEP
Request a personalized demo to discover what ON Credit Intelligence can do for your bank.
What We’ll Cover:
- What makes our technology different
- How rapidly you’ll see results
- Ease of installation and cost benefits
- Current customers and outcomes