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• Evaluating each of the 5 Cs of credit to determine the creditworthiness of business borrowers as regard their character, capital, capacity, collateral, and condition.

 

• Evaluating company’s operating and investing cash flow and their cycles to identify working capital funding gap and assess the payback time on an investment and its ROI.

 

• Analysing financial information by using lending ratios to assess a company’s profitability, efficiency, liquidity, coverage, leverage, and perform industry benchmark.

 

• Evaluating loan security by identifying the best types of assets to use for security, assessing their quality through Marketable, Ascertainable, Stable, and Transferable.

 

• Identifying loan covenants, monitor them, and evaluate company performance relative to the covenants by comparing credit metrics to the covenants, then report the covenants.

 

• Ensuring that credit administration and documentation are effective in supporting the credit process from application to agreement, then monitor borrower after loan approval.

 

• Pricing loan based on client’s rating risk, credit spread, loan given default, bank’s cost of fund, and determine the risk adjusted return on capital to generate profitability.

 

• Monitoring loan accounts by predicting defaults and identifying warning signs of potential credit problems, dealing with the problems; then considering restructuring or liquidation; finally using recovery and turnaround strategies.

 

• Completing a credit application filled with all borrower’s details and combine the 5 Cs of credit to evaluate company, present the analysis and make recommendations.