Tag: Cash Flow Analysis

What is Important in Borrower Financial Reports

Borrower C&I Credit Analysis

It used to be a banker at a major bank you would go through a credit training program where you would spend weeks learning to tear apart a set of borrower financial statements. We can tell you from experience that it was too much. Unfortunately, these days, the pendulum has swung the other way and with the advent of credit spreading software such as CreditQuest we have almost made it too simple. For young bankers coming up through the ranks, consistent training is hard to come by, and fewer bankers understand what is important and what is not in credit analysis.

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