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Sentinel - Corporate Lending Solutions

SENTINEL, a comprehensive credit risk rating and credit workflow solution,incorporates global best practices and D&B’s local knowledge to provide a single integrated platform that automates credit risk rating and complete underwriting process.Banks can use their internal rating models or leverage on D&B’s expert industry specific rating models built based on its global expertise and local knowledge.

Key Features

- Standard templates for financial information. Ability to populate the data from existing downstream systems.

- Flexibility to configure multiple entity rating models. Bank could use its own rating models or D&B’s expert industry specific models.

- Enhanced Risk based pricing module to implement bank’s pricing strategies and improve portfolio profitability.

- Allows multiple level approvals in the bank and maintains complete audit trail for credit decisions taken.

- Provides capabilities to perform scenario analysis, stress testing and peer analysis.

- Provides comprehensive reports at borrower & portfolio levels.

- Seamless integration with bank's legacy system, credit bureau and risk data marts.

- Provide PD, LGD and EAD models.


- Consistent and objective credit decisions

- Achieve higher returns by deploying capital more economically.

- Enables risk based pricing.

- Ensure regulatory and Basel II compliance

- Faster turnaround time and greater customer satisfaction.

D&B Advantage

  • Industry specific rating models to give a head start
  • Experience of managing several commercial credit bureaus in the region
  • Implementation support by banking experts
  • An end to end solution from rating to complete underwriting process
  • Flexible and configurable credit risk managment solution enabling BASEL II compliance
  • Industry standard rating models supporting Islamic banking products and automation of credit rating