# A Large Language Model for Corporate Credit Scoring

arXiv: https://arxiv.org/abs/2511.02593 · HTML: https://mlsanity.com/paper/2511.02593/

## Key facts

- Cited by 1 papers in the map (data through 14 Oct 2026).
- Builds on 0 of its 1 references that are in the map.
- First posted on arXiv 4 Nov 2025.

## Built on by (most cited first, 1 of 1)

- [Fair outputs, Biased Internals: Causal Potency and Asymmetry of Latent Bias in LLMs for High-Stakes Decisions](https://mlsanity.com/paper/2605.15217/) (2026)

## Abstract (arXiv)

We introduce Omega^2, a Large Language Model-driven framework for corporate credit scoring that combines structured financial data with advanced machine learning to improve predictive reliability and interpretability. Our study evaluates Omega^2 on a multi-agency dataset of 7,800 corporate credit ratings drawn from Moody's, Standard & Poor's, Fitch, and Egan-Jones, each containing detailed firm-level financial indicators such as leverage, profitability, and liquidity ratios. The system integrates CatBoost, LightGBM, and XGBoost models optimized through Bayesian search under temporal validation to ensure forward-looking and reproducible results. Omega^2 achieved a mean test AUC above 0.93 across agencies, confirming its ability to generalize across rating systems and maintain temporal consistency. These results show that combining language-based reasoning with quantitative learning creates a transparent and institution-grade foundation for reliable corporate credit-risk assessment.