Credit Analysis And Collection

The credit analysis process is organized to analyze the data to allow the analysis of aspects related to the borrower.

Credit analysis is the moment when an assignor agent evaluates a potential return on the part of a credit solicitor, in addition to contemplating the inherent risks of the permit.

The procedure is also carried out to identify customers who may not meet their obligations in the future, thus creating a risk to the organization’s cashier. So through credit analysis, it becomes more practical to identify cases where the client has sufficient financial standing and ability to honor the debt that he intends to incur.

Concept And Importance Of Credit Analysis

The credit analysis process is organized to analyze the data to allow the analysis of aspects related to the borrower. According to Blatt (1999), “This process covers a broader structure than simply analyzing a customer’s credit and financial data for decision making for credit purposes.”

Some small companies do not have the financial backing to keep a credit analyst on their team. Thus, it is not uncommon to see companies arise that offer support to these entrepreneurs, seeking to reduce delinquency and financial loss. , with results reports that include consultations with agencies such as SPC / SERASA.…

Types Of Reviews

According to experts, the system of analysis and also of credit should resort to two techniques: the subjective and the objective. The first focuses on technologies that are based on individual judgment, and the second is focused on statistical data.

Much of the credit analysis is performed by the judgment of the credit analyst, being based mainly on the experience and preparation of the same. For this, the professional needs to know his profession a lot, as well as study relationship techniques and body language, in addition to personal sensitivity.

This second technique is essential, since, through the experience of the agent, it is possible to identify such things as character, conditions of payment, capital as well as capacity. However, this analysis can not be done randomly. However, it must be based on technical concepts to ensure decision-making. From this quick view, we can state that the two techniques can be applied in unison.