RiskCalc Field Input Mapping Table
The following table provides the mapping of Lending Cloud input fields to RiskCalc fields.
RiskCalc Field |
Required |
RiskCalc Field Description |
Lending Cloud Field |
Firm ID |
No |
Identifier used for obligor-based subscriptions. When scoring companies using an obligor-based agreement, this field should contain the FirmID provided from a previous RiskCalc operation. If empty, RiskCalc generates a unique FirmID identifier consuming one obligor of the subscription. |
N/A |
Verbose |
No |
Determines the amount of data this is returned. The default is "0" (terse) if this argument is omitted. Valid values are 0-8. The arguments that are returned for a given verbosity level or higher are indicated in the "V" Column in the Outputs Arguments table |
8 |
CurrentYear |
No |
Current year. If omitted the model defaults to the current year. Valid values for FSO are 1986 to current, future dates are prohibited. Valid values for CCA are 1994 to current; future dates are prohibited.
NOTE: Be careful when omitting the Current date parameters CurrentYear and CurrentMonth. The default substitution may result in setting an invalid future date. We recommend that you explicitly define Current date parameters, or if either parameter is omitted, be sure that both are. |
User chooses on form |
CurrentMonth |
No |
Current month. If omitted the model defaults to the current month. Valid values are 1 - 12 (where 1=Jan, …, 12=Dec), future dates are prohibited.
NOTE: Be careful when omitting the Current date parameters CurrentYear and CurrentMonth, as the default substitution may result in setting an invalid future date. We recommend that you explicitly define Current date parameters, or if either parameter is omitted, be sure that both are. |
User chooses on form |
StatementYear |
Yes |
Statement year. Value provided must be equal to or greater than 1986. Future dates are accepted only when the FinancialStmntOnly parameter is set to ‘True’ |
User chooses on form |
StatementMonth |
Yes |
Statement month. Valid values are 1 - 12 (where 1=Jan,…, 12=Dec), future dates are accepted only when the FinancialStmntOnly parameter is set to ‘True’. |
User chooses on form |
FinancialStmntOnly |
No |
Financial statement only. This argument tells the model how macroeconomic variables are to affect the calculated results. Set this argument to ‘True’ if the EDF calculation results should not be affected by the macro-economic variable or ‘False’ if the EDF calculation results should be affected by the macroeconomic variable. If the value is either omitted or set to anything but ‘True’, it will default to ‘False’. Reference the prior discussion of Subscription Level for additional restrictions related to this parameter |
User chooses on form |
Dynamic2008 |
No |
Dynamic Bond Mapping control setting. This argument instructs the model how the one and five year bond default rate mappings are to be resolved. Setting this argument to ‘True’ or ‘true’ will instruct the model to access a Dynamic mappings database table to acquire the 1 and 5 Yr Bond Default Rates Mapping returned in the output. If this argument is set to ‘False’ or ‘false’, the model will return the Static 1 and 5 Yr Bond Default Rate Mapping. Omitting this argument or setting its value to anything but ‘True’ or ‘False’, will default to ‘false’ behavior, for example, return static mappings. |
Set to False |
Cashandmarketablesecurities |
No |
This is a measure of liquid assets includes cash and marketable securities. |
Cash & Equivalents + Certificates of Deposits + Marketable Bonds & Securities |
Inventories |
No |
Merchandise bought for resale and materials and supplies purchased for use in production of revenue. This would include purchase cost, sales cost, sales taxes, transportation costs, insurance costs, and storage costs. |
Non-Prod Inventory + Raw Materials + Work in Process + Inventory + Inventory 2 + Inventory 3 + Inventory 4 + Inventory 5 + Inventory 6 + Inventory 7 + Inventory 8 + Inventory 9 + Inventory 10 |
PrevInventories |
No |
|
Same as previous field |
AccountsReceivable |
No |
Money owed by customers. |
Reserve for Bad Debts + Accounts Receivable - Trade + Accounts Receivable2 + Accounts Receivable 3 + Accounts Receivable 4 + Accounts Receivable 5 + Accounts Receivable 6 + Accounts Receivable 7 + Accounts Receivable 8 + Accounts Receivable 9 + Accounts Receivable 10 + |
PrevAccountsReceivable |
No |
Previous Years Accounts Receivable |
Same as previous field |
TotalAssets |
Yes |
Total assets are the sum of current assets plus net property, plant, and equipment plus other non-current assets (including intangible assets, deferred items, and investments and advances). |
Total assets from the Balance Sheet See Appendix A for a list of the fields. |
PrevTotalAssets |
No |
|
Input Manually |
Accounts payable |
No |
Obligations owed to suppliers arising from the firm's ongoing operations, including the purchase of goods, materials, supplies, and services. |
Due to Related Co CP + Loans from Co CP + Loans from Affiliate + Accounts Payable Trade + Accounts Payable Other + A/P Retention + Accounts Payable + Accounts Payable 2 + Accounts Payable 3 + Accounts Payable 4 + Accounts Payable 5 + Accounts Payable 6 + Accounts Payable 7 + Accounts Payable 8 + Accounts Payable 9 + Accounts Payable 10 + |
PrevAccountsPayable |
No |
|
Input Manually |
Current liabilities |
No |
Includes short-term debt, accounts payable, and other current liabilities. Liabilities are positive values. |
Total current liabilities from the Balance Sheet See Appendix B for a list of the fields. |
Long Term debt |
No |
Obligations that are due after one year. |
Total non-current liabilities from the Balance Sheet See Appendix C for a list of the fields. |
Total liabilities |
Yes |
This balance sheet account, total liabilities, is a positive number representing the sum of current liabilities plus long-term debt plus other non-current liabilities (including deferred taxes, investment tax credit, and minority interest). |
Total Current + Total Non Current from Balance Sheet |
Retained earnings |
No |
Retained Earnings, a historical measure of performance, is the cumulative earnings of the company less total dividend distributions to shareholders. Typically, it is the prior year's retained earnings plus net income less distributions. Retained earnings are generally positive. Some firms with low credit quality will have negative retained earnings. |
Retained Earnings |
Sales |
No |
This item consists of the company's gross sales (the amount of actual billings to customers for regular sales completed during the period) reduced by cash discounts, trade discounts, and returned sales and allowances for which credit is given to customers. |
Net Sales/Revenue from the Income Statement See Appendix D for a list of the fields |
PrevNetSales |
No |
|
Same as previous field |
Amortization and Depreciation |
No |
Expense recorded to allocate the cost of a tangible (depreciation) or intangible (amortization) asset over its useful life. |
Depreciation + Amortization + Cost of Sales Depreciation + COGS - Depreciation 2 + COGS - Depreciation 3 + COGS - Depreciation 4 + COGS - Depreciation 5 + COGS - Depreciation 6 + COGS - Depreciation 7 + COGS - Depreciation 8 + COGS - Depreciation 9 + COGS - Depreciation 10 |
Operating Profit |
|
Profit earned from a firm's normal core business operations |
Operating Income subtotal from I/E |
Interest expense |
|
Represents the periodic expense to the company of securing short- and long- term debt. Typically, we expect this charge to be approximately the prevailing interest rate times the total liabilities. |
Capitalized Interest + Deferred Interest Expense + Operating Interest + Term Interest |
Net income |
Yes |
Represents the income (or loss) reported after expenses and losses have been subtracted from all revenues and gains for the fiscal period including extraordinary items and discontinued operations. A loss is represented by a negative sign. For example, a $5,000,000 loss would be entered -5000. |
Total from I/E |
Prev Net Income |
No |
Previous year net income |
Same as previous field |
Region |
No |
U.S. state postal code or code 'Nation' for nation level. If not provided the region defaults to nation level (code 'Nation') |
|
User Defined Time Period |
No |
Continuous time between 1 and 5 years, represented by a number between 1 and 5 to two decimal points. For example, a year and six months would be entered, “1.50”. If not provided, the models output element UserDefinedTime_EDF returns empty. |
|
Industry Classification |
Yes |
This argument is used by client applications to disclose the industry code system used to specify the industry definition. Values supported by this model include: SIC, NDY, NAICS, or SECTOR. Any other value will result in an error message. For example, this parameter would be defined as:
<ARGUMENT TYPE="IndustryClassification"> SIC</ARGUMENT> |
|
Industry Definition |
Yes |
This argument is used with IndustryClassification to specify the industry code. Acceptable values are dependent on the setting of IndustryClassification. These relationships are as follows:
• SIC —Four character numeric code identifying industry sector • NDY —Three character alphanumeric code identifying industry sec • NAICS —Six character numeric code identifying industry sector • SECTOR —String identifying industry sector
• Agriculture • Business_Products • Business_Services • Communication • Construction • Consumer_Products • Health_Care • HiTech • Mining • Services • Trade • Transportation • Unassigned • Utilities
For example, assuming industry classification has been set to SIC, the following argument sets the industry definition:
<ARGUMENT TYPE="IndustryDefinition">1500 </ARGUMENT> |
NAICS |
Total Assets from Balance Sheet |
Current Assets |
Cash & Equivalents |
Certificates of Deposit |
Marketable Bonds & Securities |
Notes Receivable - Cur |
Accounts Receivable 2 |
Accounts Receivable 3 |
Accounts Receivable 4 |
Accounts Receivable 5 |
Accounts Receivable 6 |
Accounts Receivable 7 |
Accounts Receivable 8 |
Accounts Receivable 9 |
Accounts Receivable 10 |
Accounts Receivable - Other |
Accounts Receivable - Trade |
A/R Progress Billings |
A/R Current Retention |
Reserve for Bad Debts |
Loans to Affiliate |
Loans to Shareholders |
Inventory |
Inventory 2 |
Inventory 3 |
Inventory 4 |
Inventory 5 |
Inventory 6 |
Inventory 7 |
Inventory 8 |
Inventory 9 |
Inventory 10 |
Prepaid Expenses & Supplies |
Earnings in Excess of Billings |
Income Tax Refund Receivable |
Other Current Assets |
Other Current Assets 2 |
Other Current Assets 3 |
Other Current Assets 4 |
Other Current Assets 5 |
Other Current Assets 6 |
Other Current Assets 7 |
Other Current Assets 8 |
Other Current Assets 9 |
Other Current Assets 10 |
Reimbursable Deposits |
Intangible Assets - Cur |
Unbilled Joint Interest Bill. |
Joint Interest Receivables |
Asset-Fair Val of Derivatives |
Total Current Assets |
Non-Current Assets |
Buildings & Improvements |
Machinery & Equipment |
Furniture & Fixtures |
Accum. Depr.- Bldgs. & Improv. |
Vehicles |
Leasehold Improvements |
Accum. Depr. Lshld Improv |
Depletable Assets |
Accum. Depletion |
Accum. Depr. - Chattel |
Real Estate - Land |
Accum. Depr. - Land |
Notes Receivable |
Transportation Equipment |
Loans to Affiliate - Non |
Loans to Shareholders - Non |
Gross Fixed Assets |
Intangible Assets |
Not Readily Mkt. Bonds & Sec. |
Accum. Amortization |
Joint Ventures & Investments |
Accum. Depreciation |
Other Intermediate Assets |
Other Non-Current Assets |
Other Long Term Assets 2 |
Other Long Term Assets 3 |
Other Long Term Assets 4 |
Other Long Term Assets 5 |
Other Long Term Assets 6 |
Other Long Term Assets 7 |
Other Long Term Assets 8 |
Other Long Term Assets 9 |
Other Long Term Assets 10 |
Reimbursable Deposits - Non |
Due from Employees |
Capital Leases |
Other Fixed Assets |
Other Fixed Assets 2 |
Other Fixed Assets 3 |
Other Fixed Assets 4 |
Other Fixed Assets 5 |
Other Fixed Assets 6 |
Other Fixed Assets 7 |
Other Fixed Assets 8 |
Other Fixed Assets 9 |
Other Fixed Assets 10 |
Producing Leaseholds |
Oil & Gas Properties |
Proved Properties |
Oil & Gas Equipment |
Wells In Progress |
Capital Intang. Drilling Costs |
Other Assets |
Goodwill |
Investments |
Asset-Fair Val Derivatives-Non |
Total Non-Current Assets |
Total Assets |
Total Current Liabilities from Balance Sheet |
Notes Payable - Bank |
Accounts Payable |
Accounts Payable 2 |
Accounts Payable 3 |
Accounts Payable 4 |
Accounts Payable 5 |
Accounts Payable 6 |
Accounts Payable 7 |
Accounts Payable 8 |
Accounts Payable 9 |
Accounts Payable 10 |
Accounts Payable - Other |
Accounts Payable - Trade |
A/P Retention |
Wages Payable |
Income Taxes Payable |
Loans from Affiliate |
Loans From Shareholders |
Other Accruals |
R. E. Taxes Payable |
Current Deferred Taxes |
Due to Officers |
Other Current Liabilities |
Other Current Liabilities 2 |
Other Current Liabilities 3 |
Other Current Liabilities 4 |
Other Current Liabilities 5 |
Other Current Liabilities 6 |
Other Current Liabilities 7 |
Other Current Liabilities 8 |
Other Current Liabilities 9 |
Other Current Liabilities 10 |
Billings in Excess of Cost |
Deferred Income |
Deposits by Customers |
Overdrafts |
Oil & Gas Revenue Payable |
Undistributed Oil & Gas Rev. |
Insurance Payable |
Bonuses Payable |
Dividends Payable |
Profit Sharing Contrib. Pay. |
Capital Expenditures Payable |
Interest Payable |
Other Payables |
Other Payables 2 |
Other Payables 3 |
Other Payables 4 |
Other Payables 5 |
Other Payables 6 |
Other Payables 7 |
Other Payables 8 |
Other Payables 9 |
Other Payables 10 |
Production Tax Liability |
Advances for Future Drilling |
Fair Value of Derivatives |
Auth. for Expend Deposit Liab |
Current Notes Payable 1 |
Current Notes Payable 2 |
Current Notes Payable 3 |
Current Notes Payable 4 |
Current Notes Payable 5 |
Current Notes Payable 6 |
Current Notes Payable 7 |
Current Notes Payable 8 |
Current Notes Payable 9 |
Current Notes Payable 10 |
Current Portion Term Debt 1 |
Current Portion Term Debt 2 |
Current Portion Term Debt 3 |
Current Portion Term Debt 4 |
Current Portion Term Debt 5 |
Current Portion Term Debt 6 |
Current Portion Term Debt 7 |
Current Portion Term Debt 8 |
Current Portion Term Debt 9 |
Current Portion Term Debt 10 |
Curr Portion of Cap Leases 1 |
Curr Portion of Cap Leases 2 |
Curr Portion of Cap Leases 3 |
Curr Portion of Cap Leases 4 |
Curr Portion of Cap Leases 5 |
Curr Portion of Cap Leases 6 |
Curr Portion of Cap Leases 7 |
Curr Portion of Cap Leases 8 |
Curr Portion of Cap Leases 9 |
Curr Portion of Cap Leases 10 |
Accrued Interest |
Cur. Portion Term Debt - Ours |
Cur. Portion Term Debt - Other |
Accrued Interest |
Current Notes Payable - Ours |
Current Notes Payable - Other |
Total Current Liabilities |
Total Non-Current Liabilities from Balance Sheet |
Intermediate Term Debt 1 |
Intermediate Term Debt 2 |
Intermediate Term Debt 3 |
Intermediate Term Debt 4 |
Intermediate Term Debt 5 |
Intermediate Term Debt 6 |
Intermediate Term Debt 7 |
Intermediate Term Debt 8 |
Intermediate Term Debt 9 |
Intermediate Term Debt 10 |
Subordinated Debt |
Long Term Debt 1 |
Long Term Debt 2 |
Long Term Debt 3 |
Long Term Debt 4 |
Long Term Debt 5 |
Long Term Debt 6 |
Long Term Debt 7 |
Long Term Debt 8 |
Long Term Debt 9 |
Long Term Debt 10 |
Long Term Capital Leases 1 |
Long Term Capital Leases 2 |
Long Term Capital Leases 3 |
Long Term Capital Leases 4 |
Long Term Capital Leases 5 |
Long Term Capital Leases 6 |
Long Term Capital Leases 7 |
Long Term Capital Leases 8 |
Long Term Capital Leases 9 |
Long Term Capital Leases 10 |
Long Term Debt - Ours |
Long Term Debt - Other |
Net Sales/Revenues from Income Statement |
Gross Revenues |
Gross Revenues 2 |
Gross Revenues 3 |
Gross Revenues 4 |
Gross Revenues 5 |
Gross Revenues 6 |
Gross Revenues 7 |
Gross Revenues 8 |
Gross Revenues 9 |
Gross Revenues 10 |
Other Income (Loss) |
Other Income (Loss) 1 |
Returns & Allowances |
Returns & Allowances 2 |
Returns & Allowances 3 |
Returns & Allowances 4 |
Returns & Allowances 5 |
Returns & Allowances 6 |
Returns & Allowances 7 |
Returns & Allowances 8 |
Returns & Allowances 9 |
Returns & Allowances 10 |
Rents Received |
Royalties Received |
Ancillary Services |
Condensate Sales |
Council of Petroleum Accts Soc |
Crude Oil Sales |
Expense Reimbursements |
Home & Comm Based Services |
Liquids Sales |
Loss to Lease |
Medicaid |
Medicare |
Natural Gas Sales |
Oil & Gas Income |
Physical Vacancy |
Private |
Realized Hedging Gain |
Realized Hedging Loss |
Rent Abatements |
Services Revenue |
Well Operations & Pipeline Inc |
Other Income |
Other Income 2 |
Other Income 3 |
Other Income 4 |
Other Income 5 |
Other Income 6 |
Other Income 7 |
Other Income 8 |
Other Income 9 |
Other Income 10 |
Variable Input |
Net Sales / Revenues |
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