The NPL – nonperforming loan – issue in Italy is a direct effect of the prolonged recession that the country is undergoing. The Italian bank system reacted relatively well to the US collapse in 2008, but it was a significant circumstance to start the increase on NPLs flow due customer’s financial deterioration. Beside political and structural issues that disable the NPL market flow, the banks management doesn’t have a proper definition on how to deal with their NPL portfolio. The model described in this document, the RaOPL (Rating Operating Project Loans), is created with the goal to develop an experimental model for the generation of Rating related to the NPL that has been put on auctions in this scenario.