Credit Decisioning

Analytics

Generate transparent quantitative and qualitative scores from your credit models

Your models. Clearer decisions.

Every score
has a story

Combine your numbers with AI-generated qualitative assessments that your analysts can review and refine

See how it works
Automated first pass · Analyst review
Illustrative views · Not actual screenshot · Fictional data
01

Your models in practice

Apply your credit approach consistently across companies and teams

02

Automate the first pass

Let AI prepare qualitative assessments so your analysts can focus on review and refinement

03

Clarity behind the score

See what drives each result so your team can review it with confidence

From inputs to understanding

See the score
Understand what’s behind it

Your analysts stay in control
A clear starting pointQuantitative inputs
Northstar Manufacturing

FY 2024 · Credit-adjusted metrics

Reviewed financials
Model inputValueScore / 100Weight
Net debt / EBITDA2.50×6025%
Interest coverage6.20×7225%
EBITDA margin19.5%8015%
Current ratio1.45×7010%
Net debt €34.0m / Adjusted EBITDA €13.6m · From Financial spreading
Follow each input back to the financials behind it

Illustrative views · Not actual screenshot · Fictional data

Transparent by design

Your framework
Not a black box

Bring automation to your credit approach while keeping the logic and the judgement open to review

Your model logic

Use the factors and weights that reflect how you assess credit

Automation with analyst review

Let AI prepare the qualitative assessment for your analysts to review and refine

A traceable result

Connect the score to the inputs and evidence that support it

Part of the bigger decision

From a clear score
to a stronger decision

Build on reviewed financials and credit-adjusted metrics from Financial spreading and carry the score and its rationale into Memo

Financial spreading

Reviewed financials and credit-adjusted metrics

Analytics

Transparent quantitative and qualitative scores

Memo

Decision-ready credit memos
Connected modules on one governed foundation

Interested?

See how DecAltra can bring your credit models into a clearer decision process

Contact us

Request a demo

See how DecAltra could work for your team

Share a few details and we'll tailor the conversation around your workflows, governance needs, and where you want to improve speed or quality first.

A focused conversation tailored to your institution
Clear next steps based on your current decision workflow
No spam and no generic product tour

Best results

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We welcome feedback of any kind. If something works well, feels unclear, or seems to be missing, we would genuinely like to hear it.

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Tell us what you were hoping to find and we will try to build it next
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