If the average bank's divisional credit officers were one day magically combined and became its chief financial officer, the connections between an individual credit decision and the bank's risk management criteria would be clear. This being the real world, however, the connections are often necessarily obscure to both-and harder to explain. How wonderful, then, if one system could explain it all, in terms both sides could understand.

This-somewhat exaggerated-is the promise of Fair, Isaac and Co.'s $46 million acquisition of Berkeley, CA-based Risk Management Technologies (RMT). By creating the prospect of connecting the micro-view credit scoring capabilities of Fair, Isaac to the macro-view, enterprisewide risk management abilities of RMT-enterprisewide being a greatly misused term that happens to be most fitting in RMT's case-banks can get a handle on their portfolios that has previously eluded most of them.

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