The Altus Credit Rating System

The Altus Credit Rating System is integral to the financing process. Over the years, we believe our proprietary system has earned the respect of participants in the global credit market and we feel it is what has set us apart from other investment bankers and financial advisors.

The Altus system incorporates both state-of-the-art quantitative analysis and highly focused human judgment, placing both commercial and consumer credit on one 10-point scale, consisting of 7 probability of default (PD) and 3 loss-given-default (LGD) ratings.

According to Moody’s, “…ratings are intended to provide capital market participants with a framework for comparing the credit quality of debt securities. A credit rating compresses an enormous amount of diverse information into a single symbol. Credit quality embraces relative default probability, loss severity, financial strength, and transition risk…”

For more detail on the Altus Credit Rating system, download our credit ratings .pdf.

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