Climate Risk Screening for Banks: Smarter Real Estate Lending Decisions

The ESG Risks Hiding in Your Loan Book

A property gets financed. Two years later, it's hit by flooding. Insurance doesn’t fully cover it. Value plummets. That’s not bad luck - it’s a gap in ESG screening.

Climate risk - physical, transition, biodiversity - is now a material part of loan evaluation. Yet many banks still rely on outdated models that ignore these risk types.

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Why Climate Risk Screening Matters

• Higher risk of default in exposed regions

• Increased disclosure requirements for financed emissions

• Reputational exposure tied to non-aligned lending

• ESG becoming part of credit risk models

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How Telescope Supports Bank Risk Teams

• Upload property addresses and get automated climate/biodiversity risk profiles

• Segment results by risk type (physical, transition, biodiversity)

• Export structured reports for credit reviews or regulatory audits

• Get portfolio-wide exposure insights instantly

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The Business Value for Banks

• Faster pre-lending ESG assessments

• Better visibility into long-term portfolio risk

• Simplified compliance with evolving EU rules

• Data-driven capital decisions

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Want to uncover ESG risk across your lending portfolio - before regulators or market shifts force your hand?

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Request a risk scan demo today!

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