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Ade Kasereka B. Vickya, Founder of KMB
Associate of the London Institute of Banking and Finance
Financial Modeling and Valauation Analyst
Commercial Banking and Credit Analyst





Loan evaluation is one of the first step in the credit process that I take to evaluate a company’s loan request by assessing its 5 Cs of credit, which will give me insight and then I combine everything learned from each of the C to fill up a credit application that will show both the results of my analysis and my recommendations before the loan can be approved by senior manager and the required loan amount be disbursed. I need to evaluate the company by completing the loan application that includes different information that relates to the company.

In my evaluation, I connect the 5Cs of the credit to each of the following components of the credit application, which shows everything that relates to the borrower company.
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Borrower Details
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Ownership
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Loan Structure and Purpose
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Borrower History and Background
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Industry Analysis
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Business Analysis
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Management Analysis
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Financial Analysis
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Security
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Covenants and Conditions
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Environmental Comments
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Conclusion and Recommendation