Credit analysis
Credit analysis is a complex process that includes the following main stages:
Analysis of justification in need of a loan provided by the potential borrower.
Analysis of financial statements.
Analysis of the preliminary financial statements of the company.
Consideration of the plan cash flow planning purposes receipts payments and determine the probability of their deferral, the assessment on the basis of the ability of the borrower to timely repay the loan. Scenario analysis and assessment of the sustainability of the borrower to extreme changes in the economic environment.
Analysis of the situation of the company in the market against other competitors in the industry.
Evaluation of senior management of the company, its strategies, management techniques and performance-based results.
Preparation of necessary documentation for the loan, reflecting conditions such as: ensuring repayment of loans; limitation on debt; assessment of the financial condition and obligations of the borrower; guarantees from parent company or a third party; the conditions of occurrence of default, etc.
Analysis of justification in need of a loan provided by the potential borrower.
Analysis of financial statements.
Analysis of the preliminary financial statements of the company.
Consideration of the plan cash flow planning purposes receipts payments and determine the probability of their deferral, the assessment on the basis of the ability of the borrower to timely repay the loan. Scenario analysis and assessment of the sustainability of the borrower to extreme changes in the economic environment.
Analysis of the situation of the company in the market against other competitors in the industry.
Evaluation of senior management of the company, its strategies, management techniques and performance-based results.
Preparation of necessary documentation for the loan, reflecting conditions such as: ensuring repayment of loans; limitation on debt; assessment of the financial condition and obligations of the borrower; guarantees from parent company or a third party; the conditions of occurrence of default, etc.