Credit Assessment in commercial Lending: Quantitative and Qualitative Approach Free Essay, Term Paper and Book Report
The American University in Dubai
School of Business Administration- MBA program
Instructor: Dr. Jihad Nader
Credit Analysis in Commercial Lending: Qualitative and Quantitative Approach
Prepared by: M. Naghavi
Spring 2006
Table of Content
1. Introduction 3
2. A Four Step Analysis 3
2.1 Overview of Management, Operation and the Firms Industry 4
2.2 Common Size and Financial Ratio Analysis 4
2.3 Analysis of Cash Flow 5
2.4 Financial Projection 6
3. Z- Score Default Risk Model 7
4. Conclusion 9
Appendix I- Financial Ratios 10
Appendix II- Financial Projection (Pro forma Parameter) 11
Appendix III- Example of loan rating system and bond rating mapping 12
Work Cited List 13
1. Introduction
Assessment and management of credit or default risk is a crucial process for the health of financial institutions as loans are the most dominant assets of almost every bank. Credit risk is defined as the possibility of that the borrower [counterparty] may become unable or unwilling to fulfill his contractual obligations to lender (Nader......
Word Count: 2683
Page Count: 10.7 (250 words a page / double spaced)
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