Credit risk assessment - comprehensive

 

We help banks improve their small business lending departments in Canada and the United States

 

 

We have designed a model that provides a foundation for your bank's analysis.   Our program and team of experts will work with your bank to ensure you can optimize your small business lending department and streamline the lending process.

 

Our comprehensive program is designed to act as a companion for account managers.  Our goals is to assist the account manager in writing credit recommendations by completing many of the quantitative aspects and pointing out areas of concern.  

 

Our comprehensive credit risk assessment is customized to meet the standards of your lending criteria.   We incorporate your criteria to basic variables that help make a solid decision for lending.   This may include the following checks:

  • Personal credit history

  • Business credit history

  • Existing business financial analysis (including liquidity, stability, cash flow, security...)

  • Collateral

  • Loan type and description

  • Source and use of funds

  • Projection of risk and financial position

  • Industry risk

  • Management assessment

  • Document and security preparation

  • Coaching

  • Optical character recognition for financial statements

  • Scanning abilities to transfer and save information in electronic form

  • Comparison to industry specific standards for small businesses

  • E-based applications so your bank can accept requests via the Internet

  • Support for your customers to provide an outside assessment on their financial situation

  • Detailed credit writing tools

 

We customize all criteria to meet your individual bank's needs to better match your existing process.  Our goal is to assist your bank improve your lending effectiveness and make it easier for your account managers to prepare a credit report. 

 

Contact CreditSunrise to discuss further.  We are able to meet North American  banks to develop an action plan.

 

See how CreditSunrise can help you with a more advanced program

 

Back to Banker Services page.

 

About our

banker services

 

Credit Assessment - basic

A credit scoring tool to assist for small business loans

 

Credit Assessment - comprehensive

A tool to assist account managers assess small and medium size businesses

 

Coaching and development

We strive to improve your bank's small business department.

 

Special campaigns

We provide consulting services to target a specific niche.