What FACT Does

The FACT credit risk framework is made up of three main modules. Spreading and financial analysis, a risk rating engine and a credit workflow module. These can be used independently or combined for a complete credit risk solution.


Spreading and Financial Analysis

FACT’s spreading and financial analysis module securely collects, analyses and stores information in a central database.


Risk Rating

Any risk model can be integrated in FACT. These can range from simple scorecards, to models with complex financial logic.


Credit Workflow

FACT's workflow manager allows a fast and efficient flow of information, from a proposed rating to the approval of credit applications.



Banks hold capital to protect depositors and other creditors against potential losses. The amount of capital held is proportionate to the level of risk on the bank’s balance sheet.


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