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 the design of KBN's credit classification tool, giving analysts a structured way to evaluate municipal creditworthiness for loan applications — including green loans — instead of relying on disconnected spreadsheets and inconsistent documentation.
Mapped how credit analysts assess municipal borrowers today — what data they need, where it lives, and how classification decisions are documented.
Designed clear views for credit classification, making complex financial inputs scannable and comparable across customers.
Worked closely with developers and domain experts to align the interface with KBN's existing credit processes and systems.