thecreditprocess銀行貸款程序(編輯修改稿)
2024-11-14 20:29 本頁(yè)面
【文章內(nèi)容簡(jiǎn)介】 nagement Quality: entails the petence, integrity and alliances of the key individuals running the pany. Management weakness or dishonesty can have an impact on both repayment capacity and security realization. Depth of management is always a concern, especially in smaller, familyrun anizations. Analysis of risks (cont.) ? Security Realization: determines the level of the bank’s control over collateral and the likely liquidation value, factoring in time, ., present value. Weakness in security realization threatens the second source of loan repayment. Analysis of risks (cont.) Credit underwriting is the process that banks undertake to structure a credit facility to minimize risks and generate the best return, given the risks that the banks assume. The credit structure includes the term of the loan, collateral, amortization, timing of interest payment and reporting. Credit Underwriting Ine ? Rental payment history ? Balance sheets, profit and loss ? Verification of significant nonmortgage debt. ? Mortgage payment history ? Account balances last update within 90 days ? Employment Credit Underwriting (
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