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.