The potential for loss due to a borrower's failure to repay a loan or meet contractual obligations.

A formal record of the financial activities and position of a business, including balance sheets and income statements.

Guidelines that dictate how credit is extended and managed within an organization, tailored to specific industries.

The process of identifying, analyzing, and evaluating risks associated with credit decisions.

Effective strategies for conveying credit assessment findings to various parties involved in the decision-making process.

The maximum amount of credit that a lender is willing to extend to a borrower.

A financial metric used to assess a company's ability to cover its short-term obligations.

A measure of a company's ability to meet its long-term debts and financial obligations.

An evaluation of a company's cash inflows and outflows to assess financial health.

A statistical analysis used to evaluate the creditworthiness of a borrower.

An assessment based on non-numeric data, such as management quality and market conditions.

An assessment based on numerical data and statistical methods to evaluate credit risk.

A process of analyzing possible future events by considering alternative outcomes.

A simulation technique used to determine how a borrower would handle an economic crisis.

A comprehensive overview of the risks associated with a specific borrower or investment.

A concise summary of a larger report, highlighting key points and conclusions.

Credit policies tailored to the unique risks and characteristics of specific industries.

A structured approach to making informed credit limit recommendations.

Metrics used to provide an early signal of increasing risk exposure.

A process where colleagues evaluate each other's work to enhance quality and accuracy.

A visual aid used during presentations to communicate key findings and analyses.

A structured method for analyzing financial data to make informed credit decisions.

An assessment of a borrower's ability to repay debt based on financial history and stability.

Legal requirements and standards that impact credit policies and risk assessments.

The forces that impact the supply and demand within specific industries.

An overall assessment of a company's financial stability and operational efficiency.