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One application – full control of your internal rating process
The EY Rating Application helps banks and financial institutions digitalize, standardize, and automate their internal rating processes. Designed as a modern alternative to spreadsheets and inflexible legacy tools, it supports structured data collection, automated rating calculations, controlled approvals, and full auditability – all within a single, user-friendly application.
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Whatever your process, our platform can manage it
One application to collect financial data, calculate ratings, and evidence decisions
The EY Rating Application combines EY’s risk and regulatory expertise with Microsoft Power Platform technology to deliver a flexible, modular rating solution tailored to the needs of banks and financial institutions. It provides a solid foundation for internal rating processes by focusing on structured workflows, controlled inputs, and transparent decision-making.
What value does it bring to you?
Built on the Microsoft Power Platform, the solution leverages existing Microsoft 365 capabilities while providing a robust foundation for stronger governance, transparency, and efficiency across the rating lifecycle.
Key capabilities include:
- Data collection – Centralized storage of financial, risk, and rating-related information, including structured inputs for financial statements, qualitative assessments, and external data sourced via APIs from core banking systems and data providers.
- Rating calculation – Automated financial analysis and rating calculation with controlled manual inputs, overrides, and benchmarking against external rating agency outputs.
- Approval process – Role-based approvals with automated notifications and reminders, supported by a complete audit trail and decision history.
- Reporting & outputs – Auto-generated and pre-filled customer credit reports and management outputs.
- Model & user management – Flexible configuration of rating models through the user interface, support for multiple model versions, and granular role and permission management across the platform.
- Early warning signals – Support for early warning indicators to strengthen ongoing credit risk monitoring.
And many more.
Platform that helps banks simplify and automate internal rating processes
Maximize your efficiency, traceability and control.
- Flexible data import
- Complete control and insight
- Transparent and structured rating process
The Application is designed to make data input simple and efficient for end users, while remaining flexible for complex banking environments. Structured, user‑friendly input screens support consistent data capture across teams, complemented by multiple import options tailored to different data sources. The Application enables direct integration with core banking systems and external data providers through API connections, reducing manual effort, improving data quality, and allowing institutions to seamlessly incorporate internal and third‑party data into the rating process.
The Application provides full visibility and control over financial information throughout the rating lifecycle. All financial statements are centrally stored in a structured overview, allowing users to easily filter, manage, and compare data across clients, reporting periods, and currencies. The Application enables tracking of statement status and historical changes, while offering a comprehensive view of financial information — including assets, liabilities, and income — in one place. Through automated financial analysis, raw financial data is transformed into standardized ratios and scores, supporting consistent, transparent, and comparable financial assessments across portfolios.
The Application ensures full transparency and structure across the entire rating process. Users benefit from a clear overview of all ratings, with the ability to easily track their status and progress at every stage. Detailed rating records bring together structured data, documented analysis steps, and supporting information in one consistent environment. The Application automatically calculates the final rating score based on predefined coefficients, applied corrections, and optional manual adjustments, ensuring controlled, repeatable, and auditable outcomes for every rating decision.
Related technology platform
This solution is built on the Microsoft Power Platform. Learn more about EY’s Microsoft Power Platform capabilities HERE.
Other related solutions
The Rating Application is part of EY’s broader portfolio of solutions for banks and financial institutions. While it is built on the Microsoft Power Platform rather than the EY BPM platform, it complements EY’s governance-focused workspaces and can be used alongside them.
Together, these solutions support banks across model risk management, validation, outsourcing, and credit risk processes – each implemented on the technology platform best suited to its purpose.