For the actual customer ratings or the account opening process risk rating?
IF actual customers risk rating, are you looking for commerical customers or consumers... we don't risk score consumers unless they are a high risk individual per CIP, FINCEN and OFAC etc...
But we use a handy dandy form for commerical customers.
In life, there is a lot less that could get better and a lot more that could get worse.
MBA Fin/MBS HR
My views only!