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Still learning, but so far useful
May 24, 2023

Still learning, but so far useful

Evan Rawson | TrustRadius Reviewer
Score 7 out of 10
Vetted Review
Verified User

Overall Satisfaction with D&B Finance Analytics

I work with D&B during my due-dilligence in underwriting commercial real estate loans by targeting specific information that can assist with risk assessment. The tenant analysis process of my underwriting is focused on the tenant's financial strength and capacity to repay the borrower of the loan. D&B gives good rating assessments based on specific criteria such as paydex, delinquency score, and the D&B rating. It addresses the need of credit assessment with having a good basis for a rational analysis.
  • Provides clear criteria for key metrics in credit risk assessment
  • Understands the business relative to the industries the business serves
  • Identifies red flags in the underwriting process
  • More frequent relative news material related to the product or business risk information
  • Offer a broader set of companies to analyze
  • Offer more than just the summary of information for free
  • More or less improved efficiency in our Bank's underwriting process, but new deals have been slow as the economy worsens
  • We haven't been creating much new business due to the environment we are in and the position we are in as a regional bank
  • It will continue to strengthen our credit risk assessments
I haven't been engaged in this aspect of the D&B product as I'm relatively new to its capabilities and resources, however I imagine it can enhance my credit risk assessment which will inherently improve our credit risk management team's reporting. I don't believe we would use accounts receivable management as we are a Bank.
It seems as it went smoothly for me as an analyst participating in the rollout of this new software, however I wasn't the one responsible for its implementation or deployment. It will most definitely improve our team's underwriting process when we have struggled in the past with collecting sufficient reporting data surrounding a new tenant's credit risk. I foresee it improving our methods and strengthening our resources.
I don't have experience with similar products.
I have never contacted support to date.

Do you think D&B Finance Analytics delivers good value for the price?

Not sure

Are you happy with D&B Finance Analytics's feature set?

Yes

Did D&B Finance Analytics live up to sales and marketing promises?

I wasn't involved with the selection/purchase process

Did implementation of D&B Finance Analytics go as expected?

I wasn't involved with the implementation phase

Would you buy D&B Finance Analytics again?

Yes

COSTAR, Compass MLS, S&P Capital IQ
It's well suited for understanding a company you may not understand or recognize because it's business is either small or new, therefore creating more risk from a credit standpoint. It's also good to note what the challenges, if any, there have been for existing companies that are well-known to provide a deeper understanding of it's business model's performance from a credit perspective. It's less appropriate in scenarios with public financial data from companies, as our underwriting can be understood through a financial statement perspective and business perspective without having to deeper our analysis in credit metrics provided by D&B.