Credit Scoring
The NAOS Credit Score (“NCS”) system aims to provide lenders with a simple visual snapshot of an asset pool’s risk profile. A high credit score indicates a lower default risk, and a low credit score signals a higher risk of default.
NCS is a multi-dimensional representation of a borrower that takes its financial, operations, macroeconomics, industrial and other factors into consideration. A borrower with robust financial performance may receive a low NCS if the macroeconomics or industrial outlook is substandard.
NCS ranges from 400 to 800. We’re only considering borrowers with NCS above 601 at this time.
Credit Quality | Scores |
|---|---|
Excellent | 751 - 800 |
Very Good | 651 - 750 |
Good | 601 - 650 |
Fair | 501 - 600 |
Poor | 400 - 500 |
Last modified 4mo ago