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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.
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.