KBN — KredittDesigned an internal tool for classifying municipal customers' credit ratings at KBN.
KBN (Kommunalbanken AS)
An internal tool analysts use to assess and classify a municipality’s credit rating when they apply for a KBN loan.
Value for client
Led design of KBN’s credit tool — structured municipal credit classification instead of scattered spreadsheets.
Started by mapping how analysts actually judge borrowers — so the tool fit real decisions, not a theoretical model.
Made complex inputs scannable and comparable across customers — so analysts reach a rating faster and can defend it.
Fit KBN’s existing credit process and systems — so analysts could adopt it without changing how they work.