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The formal credit analysis procedure include an evaluation of borrower’s request and a detailed review of all financial statements. The process of credit analysis consist of:
1. Collecting information for credit files, such as credit history and performance.
2. Evaluating the management, the company and industry in which it operates i.e. evaluation of internal and external factors.
3. Financial statement analysis.
4. Propjecting borrower's cashflow and their ability to service the debts.
5. Writing a summary of analysis and recommendation.
You need to know and understand the customer, loan purpose , credit worthiness, line of business, market standing , reputation etc
Analyse financial statements of the client and make a ratio analysis sheet.
Analyse security offered against the requested loan.
The5C's of credit model>
