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Saturday, November 26, 2011

Introducing Credit Analysis For An Credit Surveyor

Credit is the provision of money or bills that can be equated with it, based on an agreement the borrowing and lending between banks and other parties that obliges the borrower to repay the debt after a certain period of time with interest.

We knows the term of credit consists of 5C :
Character
Capacity
Collateral
Capital
Condition

Or we can made more simple with 5P :
People
Purpose
Payment
Protection
Perspective

From the two term of 5C and 5P, we can conclude that :
1. Studying for credit.
2. Ensuring the completeness of documents, legality and licensing sinuses.
3. Determining the critical point of business.
4. Choosing the approach in credit analysis.
5. Collecting data / information.
6. Prepare reports of analytical results.

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