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An Outline of the Credit Application, Analysis, and Approval Process: The Centrality of Credit Analysis

In: A Guide to SME Financing

Author

Listed:
  • David Munro

Abstract

The proposed application, analysis, and approval process is outlined in its entirety. The importance of retaining a strong credit analysis base is underlined by comments on the abandonment of credit risk analysis by banks during the mortgage boom leading to the global financial meltdown of 2008. The case study introduced in Chapter 3 is expanded, with a description of how to make financial projections covering the life of the loan. Credit scoring and psychological profiling are discussed. The need for outside evaluation of fixed assets is explained as well as the requirement for one site visit. The process is framed within the context of the “Five C’s of Credit.”

Suggested Citation

  • David Munro, 2013. "An Outline of the Credit Application, Analysis, and Approval Process: The Centrality of Credit Analysis," Palgrave Macmillan Books, in: A Guide to SME Financing, chapter 4, pages 32-47, Palgrave Macmillan.
    • Handle: RePEc:pal:palchp:978-1-137-37378-6_5
    DOI: 10.1057/9781137373786_5
    as

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