CONSULTANCY SERVICES

Going back to 1997 in its consultancy services Finar implemented expert methods for its corporate, commercial and small business credit rating models. Then, as credit databases developed, Finar updated its models using sophisticated statistical methodology. The process of developing more sophisticated rating models is ongoing at a number of leading Turkish banks under consultancy from Finar. Banks using non-linear modelling techniques for their credit rating models are not uncommon now.

Consulting services provided to financial institutions:

 

     Analysis of Credit Application and Allocation Processes

    
     Designing Application Scorecards (Expert / Hybrid / Statistical Models)

    
     Credit Decision Process Analysis

    
     Development of Credit Decision Models

    
     Credit Monitoring Process Analysis

    
     Development of Behaviour Scorecard and Action Models

    
     Validation of Credit Rating Models

    
     Calculation of Risk Parameters (PD, LGD, EAD, M)

 

Consulting services provided to industrial and commercial companies:

 

      Analysis of Credit Management Procedures with a Credit Perspective

      Development and Validation of Models for Identifying Customers’
      and Resellers’ Credit Worthiness

      Setting Limits and Collaterals with Risk Perspective
      (Finar Score / with Company-specific Models Outputs)

      Analyzing Customers’ Payment Performances and
      Structuring/Restructuring of the Credit Management Procedures