Essays about: "CREDIT RISK PROCESS"

Showing result 1 - 5 of 79 essays containing the words CREDIT RISK PROCESS.

1. 1. Predicting the Unpredictable – Using Language Models to Assess Literary Quality

   University essay from Uppsala universitet/Institutionen för lingvistik och filologi

   Author : Yaru Wu; [2023]
   Keywords : perplexity; variance; unpredictability; homogeneity; generative pre-trained models; text generation; literary quality;

   Abstract : People read for various purposes like learning specific skills, acquiring foreign languages, and enjoying the pure reading experience, etc. This kind of pure enjoyment may credit to many aspects, such as the aesthetics of languages, the beauty of rhyme, and the entertainment of being surprised by what will happen next, the last of which is typically featured in fictional narratives and is also the main topic of this project. READ MORE

3. 2. Risky Business: The Intersection of Sustainability and Credit Risk Assessment – a Strategic Perspective

   University essay from Blekinge Tekniska Högskola/Institutionen för strategisk hållbar utveckling

   Author : Vincenzo Giunta; Emma Bäckman; Monica Elizabeth Salirwe; Jackline Kalyonge; [2023]
   Keywords : credit risk assessment; Framework for Strategic Sustainable Development; sustainability integration; sustainability challenge;

   Abstract : The imminent consequences of the deteriorating state of the socio-ecological systems pose significant challenges to the well-being of society and societal functioning. The financial sector, specifically banks, plays a crucial role in the transition toward sustainable development because they hold the financial resources and the power to allocate these resources. READ MORE

4. 3. Peeking Through the Leaves : Improving Default Estimation with Machine Learning : A transparent approach using tree-based models

   University essay from Umeå universitet/Institutionen för matematik och matematisk statistik

   Author : Elias Hadad; Angus Wigton; [2023]
   Keywords : Machine learning; Expected credit loss; Probability of default; ECL; PD; Risk Management; Credit Risk Management; Default Estimation; AI; Artificial intelligence; Fintech; Supervised learning; Decision tree; Random forest; XG boost; Transparency; Machine learning transparency;

   Abstract : In recent years the development and implementation of AI and machine learning models has increased dramatically. The availability of quality data paving the way for sophisticated AI models. Financial institutions uses many models in their daily operations. READ MORE

5. 4. Trends in the Capital Structure and Risk Assessment of Swedish Real Estate Companies : A Study on the Impact of the 2022-2023 Shift in Interest Rates

   University essay from KTH/Fastighetsföretagande och finansiella system

   Author : Karolina Landgärds; Hanna Lövgren; [2023]
   Keywords : Real estate; Capital structure; Financial risk; Interest rate risk; Fastigheter; Kapitalstruktur; Finansiell risk; Ränterisk;

   Abstract : This study aims to analyse the changes in the capital structure of Swedish real estate companies over the past five years, with a particular focus on the period 2022-2023, characterised by the policy interest rate increasing from zero to 3.5 percent. READ MORE

6. 5. Expect the Unexpected: Measuring Noise & Bias in the Credit Assessment Process

   University essay from Lunds universitet/Företagsekonomiska institutionen

   Author : Jacob Skoglund; Leonard Ekberg; Pontus Govenius; [2022]
   Keywords : mortgage; credit assessment; loan officer; decision-making; bias; noise; kreditgivningsprocess; kredithandläggare; beslutsfattande; Business and Economics;

   Abstract : The purpose of the thesis is to measure how bias impacts loan officers’ decision-making upon assessing mortgage applications and the level of noise embedded within the process. Quantitative data were collected from 15 loan officers working at three different branches at Handelsbanken answering a questionnaire based on fictional mortgage applications. READ MORE