A SUITE OF expert judgment-based scorecardS for enhanced credit risk management

Why are banks moving to our dual risk rating solution?


Affordable yearly subscriptions that are more cost-effective than other similar tools.

Built by Bankers

We have a deep pool of knowledge among our member banks and we tapped into it to build this tool.


We have two flexible deployment options: RMA-hosted web-based platform or embedded in your third-party commercial lending software.

Intelligent Insights

Complete portfolio reports on risk concentrations and the ability to benchmark against other banks.

RMA Dual Risk Rating is currently comprised of seven borrower scorecards, plus one facility scorecard, along with thorough documentation to support implementation.
CRE - Construction CRE - Income Producing C&I Small Business and Middle Market High-Net-Worth Individual Public Debt Rated General Facility
Additional scorecards will be available on an ongoing basis!

What We’re Hearing

To achieve our plans for growth, we need to increase the sophistication of our risk rating methodology. This product already solves for the problem we have.

Credit Manager at $5B institution

A structured risk rating process enables us to have a more objective, impartial conversation to compare the risk/reward of a deal.

Senior Commercial Credit Administrator at $16B institution

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© The Risk Management Association 2020