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CCM Mapping Credit Scores To Default Probabilities

Think about commercial credit risk from a macro perspective. Our Credit Table enables you to visualize risk by industry sector and company size. As a risk manager, that's where you want to start. When you see the variances between industry sectors and you see the magnitude of risk associated with smaller businesses, you can then drill down for more detailed decisioning data within our CCM.

The data points provided by our Credit Table:

Commercial Credit Score - expressed as a numerical value, ranging from 1 to 100, with 100 being the highest score
Default Probability Value - expressed on a % basis, with the value being an estimated probability of default within the next 12 months
Owners' Corresponding FICO - a Commercial Credit Score is not always available. In those instances, the primary owners' FICO score becomes the proxy

Click through any cell on the Credit Table to use our CCM.

Row Labels	Construction	Education and Health Service	Financial Activities	Information	Leisure and Hospitality	Manufacturing	Natural Resource and Mining	Prof. and Bus. Services	Retail Trade	Total Private	Trans. and Warehousing	Wholesale Trade
Less than $100,000	61.1	62.7	63.9	60	50.9	59.9	62.8	61.8	61.1	61.1	60.4	62.5
$100,000 to $500,000	70.9	68.2	68.5	66.5	65.4	68	70.3	67.7	70.6	68	67	69.5
$500,000 to $1,000,000	82.4	76.4	73.7	67.9	74.5	78.6	79.2	72.4	82.2	77.1	69.1	79.2
$1,000,000 to $2,500,000	85.6	80.6	76	70	83.5	83.4	82.3	76.2	85.6	81.4	74.6	82.8
$2,5000,000 to $10,000,000	91	90.6	86.1	86.2	90.6	92.3	89.6	87.3	91.2	89.9	88.5	90.6
$10,000,000 to $100,000,000	94.6	94.7	93.1	93.8	94.1	95.5	94.4	93.9	94.3	94.3	94.4	94.7
Over $100 Million	96	96	96	96	96	96	96	96	96	96	96	96