Moody's Credit MCP

Find entity ID or multiple IDs from user-provided names or identifiers of organizations, Structured Finance deals or tranches, or find by criteria (including sector, region, size, or rating group). Default to the data parameter for names, natural-language criteria, and any identifier provided. Pass data verbatim; do not append or rewrite keywords. If the search target is known to be a Structured Finance deal ID, deal name, or tranche, set entityType to deals_and_programs. Constraint: findEntity must be invoked exactly once per user query, regardless of how many entities need to be resolved. Combine all entity names into a single data parameter value. Multiple sequential findEntity calls for the same query are not permitted and will degrade performance.

Retrieve one or more sections from Moody's credit opinion report(s) for the given entity ID(s). Available sections: Summary (Summary), Credit Strengths (CreditStrengths), Credit Challenges (CreditChallenges), Factors Leading to Upgrade (FactorsLeadingToUpgrade), Factors Leading to Downgrade (FactorsLeadingToDowngrade), Outlook (RatingOutlook), Scorecard (RatingFactors), ESG (ESGConsiderations), and Key Indicators (KeyIndicatorsTable). Defaults to: Summary, Credit Strengths (CreditStrengths), Credit Challenges (CreditChallenges), Factors Leading to Upgrade (FactorsLeadingToUpgrade), Factors Leading to Downgrade (FactorsLeadingToDowngrade), Rating Outlook (RatingOutlook). Pass the 'sections' parameter to request ESG, Scorecard, or Key Indicators explicitly. For scorecard requests, pass sections: ["RatingFactors"]. For SWOT requests, pass sections: ["FactorsLeadingToUpgrade", "FactorsLeadingToDowngrade", "CreditStrengths", "CreditChallenges"]. By default this returns sections from the latest (most recent) credit opinion only. Whenever the user references a time period — "last 3 years", "past N years", "over the last X years", "since 2021", "scorecard comparison over time", "how has X evolved", "published between" — always set the 'publishDate' parameter to the corresponding range. For relative ranges, compute from today and ALWAYS set both 'from' and 'to': "last 3 years" → publishDate: { mode: "range", from: "<today minus 3 years, YYYY-MM-DD>", to: "<today, YYYY-MM-DD>" }. Do not omit 'to' for multi-period ranges — when 'to' is omitted it defaults to 'from' (a single day), not today. For explicit ranges use "YYYY-MM-DD to YYYY-MM-DD". Range dates must be on or after 2020-01-01. Omit 'publishDate' (or pass "latest") only when the user asks about the current/latest opinion with no time period mentioned. Use this tool to: * Retrieve rating drivers and summary-level credit analysis — the Summary section captures Moody's overall credit view, key strengths, principal risks, and financial profile highlights * Identify specific factors and thresholds that could trigger a rating upgrade or downgrade: quantitative (leverage ratios, coverage metrics, liquidity thresholds) and qualitative (strategic execution, market position changes, governance improvements) * Assess rating sensitivities — understand how external factors (macroeconomic conditions, regulatory changes, sector dynamics) influence rating direction and inform investment strategy * Monitor early warning signals and rating migration paths; benchmark rating stability against peers * Generate a structured SWOT analysis — synthesize credit Strengths, Weaknesses, Opportunities, and Threats; highlight operational or financial vulnerabilities and growth opportunities from market expansion, innovation, or strategic initiatives * Identify strategic positioning and competitive advantages * Evaluate external threats (competitive pressure, regulatory changes, market disruption, macroeconomic headwinds) * Support strategic decision-making and credit assessment by clarifying risk-return tradeoffs * Understand forward-looking credit trajectory and probability of rating changes (upgrade/downgrade), near-to-medium term risks and opportunities, and Moody's confidence in the entity's ability to navigate business challenges * Understand quantitative and qualitative factors underlying Moody's rating methodology by requesting RatingFactors; identify how the entity scores across multiple dimensions (scale, business profile, financial metrics, leverage, liquidity) and which scorecard factors are strengths vs. weaknesses * Assess ESG impact on creditworthiness: access Issuer Profile Scores (IPS) and Credit Impact Scores (CIS); identify material ESG risks including carbon transition, climate, social controversies, and governance weaknesses; evaluate management's preparedness for ESG-related transitions * Compare ESG exposure across peers and understand how ESG factors differentiate credit quality Note: This tool requires entity ID(s) in the Base64URL-encoded entityId produced by the findEntity tool. If the input to this tool does not include a valid entity ID from the findEntity tool, you must first call the findEntity tool to search for and obtain the appropriate Base64URL-encoded entityId(s). findEntity must be called at most once per user query — if multiple entities need to be resolved, include all entity names in a single findEntity call rather than making separate calls for each entity. Any time you use data from this tool's response, always clearly state whether a value is a rating or an implied rating, and state the type of the rating (e.g., Long Term Rating, PD Implied Rating). Do not confuse implied ratings with ratings.

For a given entity ID, retrieve Beneficial Owners (BO) - all entities or persons that hold direct or indirect ownership/control. An optional ownership threshold can be specified (10/10%, 10/50%, or 25/25%); when omitted the legacy EVA beneficial owners dataset is used. BO information includes: * BO name, country, distance (from given entity) and type (corporate, individual, etc.) * BO Status (this field summarizes the situation within ownership database on beneficial owners and other ultimate beneficiaries computed for the given entity.) * Direct and total ownership percentage. Note: This tool requires entity ID(s) in the Base64URL-encoded entityId produced by the findEntity tool. If the input to this tool does not include a valid entity ID from the findEntity tool, you must first call the findEntity tool to search for and obtain the appropriate Base64URL-encoded entityId(s). findEntity must be called at most once per user query — if multiple entities need to be resolved, include all entity names in a single findEntity call rather than making separate calls for each entity.

Retrieve Moody's view on a sovereign entity that a given entity has domicile in using entity ID to: * Understand comprehensive sovereign credit profile including fiscal strength, institutional framework, and economic resilience * Assess political stability, governance quality, and policy effectiveness * Identify sovereign-specific risks: debt sustainability, external vulnerabilities, growth prospects * Understand contagion risks and cross-border exposure implications * Contextualize country-specific business environment factors (regulatory, legal, economic) Note: This tool requires entity ID(s) in the Base64URL-encoded entityId produced by the findEntity tool. If the input to this tool does not include a valid entity ID from the findEntity tool, you must first call the findEntity tool to search for and obtain the appropriate Base64URL-encoded entityId(s). findEntity must be called at most once per user query — if multiple entities need to be resolved, include all entity names in a single findEntity call rather than making separate calls for each entity.

Retrieve detailed financial statements for entity IDs to analyze: * Income statement (revenue, expenses, net income) * Balance sheet (assets, liabilities, equity) * Cash flow statement (operating, investing, financing activities) * Historical performance trends and financial profile evolution For non-banking entities, fetches from two sources in parallel, selecting whichever has the most recently updated data, defaulting to the most recent 5 years. Falls back to a secondary source (prior 3 years) if both are unavailable. For Financial Institutions (Banks), returns banking-specific data, defaulting to the prior 5 years. For adjusted financials, uses the primary source only. When no filterCriteria or prompt is provided, returns key indicators only. Pass filterCriteria {} to return all sections and account names for the most recent 5 years. Optional prompt (e.g. "total assets and net income for last 3 years in EUR") or filterCriteria can be used alone or combined to narrow results. When both are supplied, filterCriteria wins on all fields except accountNames for banking entities, where LLM-resolved names from the prompt take priority. Per-source filter support: * Moody's: periods, currencies, sections, accountNames, scale * Banks: periods (incl. LQ/LQ-1), currency (first value used), scale, accountNames; no sections or half-year/LTM/YTD Interim periods (half-year, quarterly, LTM, YTD) refer to the calendar year, not the entity's fiscal year. Note: This tool requires entity ID(s) in the Base64URL-encoded entityId produced by the findEntity tool. If the input to this tool does not include a valid entity ID from the findEntity tool, you must first call the findEntity tool to search for and obtain the appropriate Base64URL-encoded entityId(s). findEntity must be called at most once per user query — if multiple entities need to be resolved, include all entity names in a single findEntity call rather than making separate calls for each entity.

Retrieve current Managers, Directors and key appointed officers for a given entity. By default returns only each officer's name and position (role). Set includeDetails to true for full profiles (age, nationality, tenure, address, shareholding, etc.). Note: This tool requires entity ID(s) in the Base64URL-encoded entityId produced by the findEntity tool. If the input to this tool does not include a valid entity ID from the findEntity tool, you must first call the findEntity tool to search for and obtain the appropriate Base64URL-encoded entityId(s). findEntity must be called at most once per user query — if multiple entities need to be resolved, include all entity names in a single findEntity call rather than making separate calls for each entity.

Retrieve peer entities for a given entity ID. When peers are requested but no specific number is provided, the tool defaults to 5 peers per entity. Note: This tool requires entity ID(s) in the Base64URL-encoded entityId produced by the findEntity tool. If the input to this tool does not include a valid entity ID from the findEntity tool, you must first call the findEntity tool to search for and obtain the appropriate Base64URL-encoded entityId(s). findEntity must be called at most once per user query — if multiple entities need to be resolved, include all entity names in a single findEntity call rather than making separate calls for each entity.

Get Probability of Default (Current PD, 1 year PD, 5 yr cumulative PD), implied rating (Current), Credit Default probabilities and implied ratings, drivers and early warning score, and Trade Credit Limits (balanced, aggressive, conservative) for a given entity ID. Note: This tool requires entity ID(s) in the Base64URL-encoded entityId produced by the findEntity tool. If the input to this tool does not include a valid entity ID from the findEntity tool, you must first call the findEntity tool to search for and obtain the appropriate Base64URL-encoded entityId(s). findEntity must be called at most once per user query — if multiple entities need to be resolved, include all entity names in a single findEntity call rather than making separate calls for each entity. Any time you use data from this tool's response, always clearly state whether a value is a rating or an implied rating, and state the type of the rating (e.g., Long Term Rating, PD Implied Rating). Do not confuse implied ratings with ratings. 'Probability of Default Implied Rating' is not the same as 'Rating'. - ONLY provide 'Probability of Default Implied Rating' when the user explicitly asks for it using terms like 'Probability of Default Implied Rating', 'PD Implied Rating', or 'PD Rating' in their question. - Do not confuse ratings with 'Probability of Default Implied Rating'. - Do not provide 'Probability of Default Implied Rating' unless the user has explicitly specified it in their question.

For a given entity ID, retrieve basic firmographic information about the company, including: * Legal Company name * Contact information, telephone number, registered address details, number of employees * Business description * Standard Industry classifications, NACE, NAICS and US SIC * External company identifiers like LEI, Trade register numbers & local National identifiers * Legal information, legal form, status Note: This tool requires entity ID(s) in the Base64URL-encoded entityId produced by the findEntity tool. If the input to this tool does not include a valid entity ID from the findEntity tool, you must first call the findEntity tool to search for and obtain the appropriate Base64URL-encoded entityId(s). findEntity must be called at most once per user query — if multiple entities need to be resolved, include all entity names in a single findEntity call rather than making separate calls for each entity.

Retrieve the current Moody's roll-up Long Term Rating and Outlook, along with the ratings history since 2000, for a given entity or Structured Finance tranches (CLOs, ABS, RMBS, CMBS, etc.) to: * Understand forward-looking credit trajectory and probability of rating changes (upgrade/downgrade) * Evaluate near-to-medium term risks and opportunities * Gauge Moody's confidence level in the entity's ability to navigate business challenges Note: This tool requires entity ID(s) in the Base64URL-encoded entityId produced by the findEntity tool. If the input to this tool does not include a valid entity ID from the findEntity tool, you must first call the findEntity tool to search for and obtain the appropriate Base64URL-encoded entityId(s). findEntity must be called at most once per user query — if multiple entities need to be resolved, include all entity names in a single findEntity call rather than making separate calls for each entity. Any time you use data from this tool's response, always clearly state whether a value is a rating or an implied rating, and state the type of the rating (e.g., Long Term Rating, PD Implied Rating). Do not confuse implied ratings with ratings.