OASIS Financial

How has the system performed in predicting rating changes?
Over the last four years their were 854 companies covered by the Neural Credit Assistant whose rating were changed by the rating agencies based upon changes in their financial condition and not by mergers/acquisitions or other similar events.

I have credit analysts why do I need the Neural Credit Assistant?
How would you like to have an assistant who has years of experience in analyzing the financials of thousands of companies over many cycles of the economy, never forgets a thing, is constantly learning and never takes the day off? Having the Neural Credit Assistant as a tool in your credit analysis process gives you that assistant. The assistant 's specialty is in understanding how to use standard financial analysis ratios and proprietary ratios to analyze the financial condition of a company. The Neural Credit Assistant is only concerned with the numbers and leaves the subjective factors for you and your analysts to take into account in understanding a company. The graph below is a good illustration of how to use a good team of credit analysts and the Neural Credit Assistant effectively. The red columns represent companies in a portfolio that the NCA would suggest have a higher likelihood of being downgraded, while the blue columns represent those companies with the highest likelihood of an upgrade. The red and blue companies are roughly 30% of the companies that the analysts should concentrate their efforts on for the greatest impact, rather than diluting their efforts on the remaining 70% of the companies where the companies' financial condition hasn't changed.

ile most people would agree that a credit process based solely on ratio analysis is short sighted, most would agree that a process without objectivity and consistency is equally doomed to problems. The Neural Credit Assistant provides an objective and consistent credit rating tool across time and companies to aid in the evaluation of corporate credits. It should be seen as an additional tool to be used by in credit analysis and not as a replacement for an analyst's subjective judgment.