JSI Analytics – Financial Analysis and Credit Risk Management

As a data vendor, with 15 years of actuarial work for lenders, we are well positioned to see problems – before they manifest.

And we license data, real data, based on actual administrative records, filings, and surveys. Our data provides levels of clarity rarely observed from other sources.

What our data does for our clients – it is forward looking, and provides actionable insights, targeted to solving specific business problems.

Commercial Credit Risk Management / Predictive Default

• Forward looking default probability values
• The data are organized in a risk management model format
• Allows credit bureau reports to be viewed in a context of professional risk management, rather than simple: ship / don't ship

Financial Benchmarking

• Income statement and balance sheet values for SMBs
• Representing industry sectors, company size, 50 states
• Enables comparison against peer groups, on all key financial metrics

Train an AI model with actual data

• Our How America Spends model reflects the goods and services purchased by 135 million households, since 2015. The data are organized by income classes, which demonstrates consumption behavior changes as inflation has impacted certain income strata.
• Those consumption changes have flowed into the commercial sector, all of which is detailed by the model.
• Train your AI model based on real values in a model representing consumer and commercial activity, in a time series format, dramatically reducing the need for time and cost intensive algorithmic corrections.