Credit Analysis

Credit Analysis seeks to:

• Identification of the financial and Non-financial risks of the client.
• Recommend a financing amount commensurate with the client’s financial performance.
• Grant a recommendation with acceptance or rejection according to the credit study.

The purpose of credit analysis includes:

• Studying the client's need
• The ability of the client to pay the installments

The Preparation of a Credit Analysis includes three main themes, as follows:
1.    Financial Spread  
A professionally designed tool to measure the most important financial ratios that help in decision-making. This tool measures the quality of customers' data or not.

2.    Risk Rating
Credit rating service indicates customer durability. The classification includes financial and non-financial factors. The ratios are distributed in a manner of 60/40% of the output, which is indicative and included in the policies and procedures of Credit grants.

3.    Credit Analysis
Key Credit Analysis components :

• General Information
• Credit limits summary
• Summary of Credit Proposal
• SIMAH Report
• Bank Relationships Overview
• Key Risks
• Financial Snapshot
• Documentation / Legal or Regulatory Issues
• Conclusions / Recommendations