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1、TheCreditProcessEvaluatethequalityofthecreditprocessLearningObjectivesUponthecompletionofthismodule,youwillbeabletoDescribethebasicelementsofaqualitycreditprocessExplaintheimportanceofeachcomponentofthecreditprocessExplainthecriticalimportanceoftheidentification,measurementandevaluationofri
2、skinthecreditprocessTheborrower’scurrentandexpectedfinancialconditionTheborrower’sabilitytowithstandadverseconditionorstressTheborrower’scredithistoryandapositivecorrelationbetweenhistoricalandprojectedrepaymentcapacityTheoptimalloanstructure,includingloanamortization,covenants,reportingreq
3、uirementsfortheunderwritingelementsCreditProcessCollateralpledgedbytheborrower–amount,qualityandliquidity;bankabilitytorealizethecollateralundertheworstcasescenarioQualitativefactors,suchasmanagement,theindustryandthestateoftheeconomyCreditProcess(cont.)CreditInitiation&AnalysisProcessScree
4、nprospectivecustomersinordertoidentifyhighestqualityprospectsCollectdataforanalysisofrisksassociatedwithprospectivecustomersAnalyserisksassociatedwithprospectivecustomersUsingriskanalysisasthebasis,structureproposedcreditfacilitiestomaximizeprofitandminimizepotentiallosses.Preparewelldocume
5、ntedcreditanalysispackageAnalysisofrisksassociatedwithanyborrowershouldfocusonthefourfoundationsofcreditworthiness:Industry:involvestheindustrydynamicsandthecompany’spositionwithintheindustry.Weaknessintheindustryitselfcansignificantlyimpactloanrepaymentabilityandthecompany’spositionwithint
6、heindustryisanimportantissue.AnalysisofrisksFinancialcondition:focusesontheborrower’sabilitytogeneratesufficientcash,thefirstsourceofloanrepayment,ortodrawonexistingresources,e.g.,capitalorassets,torepaybankborrowings.Thecreditanalystexaminestheincomestatement,thebalancesheetandthecashflows
7、tatementtoevaluatethisfoundationofcreditworthiness,focusingonprofitability,efficiency,liquidity,andleveragesinparticular.Analysisofrisks(cont.)ManagementQuality:entailsthecompetence,integrityandalliancesofthekeyindividualsrunningthecompany.Managementweak