KBN — KredittDesigned an internal tool for classifying municipal customers' credit ratings at KBN.
KBN (Kommunalbanken AS)
lends to Norwegian municipalities — often for green projects that cut emissions or support climate adaptation. This project designed the internal tool analysts use to assess and classify a customer's credit rating when a municipality applies — supporting consistent, traceable credit decisions across the loan portfolio.
Value for client
Led design of KBN’s credit tool — structured municipal credit classification instead of scattered spreadsheets.
Mapped how analysts assess borrowers today — data, sources, and documentation.
Scannable classification views — complex inputs comparable across customers.
Aligned with KBN’s existing credit processes and systems.