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- Credit_analysis abstract "Credit analysis is the method by which one calculates the creditworthiness of a business or organization. In other words, It is the evaluation of the ability of a company to honor its financial obligations. The audited financial statements of a large company might be analyzed when it issues or has issued bonds. Or, a bank may analyze the financial statements of a small business before making or renewing a commercial loan. The term refers to either case, whether the business is large or small.The objective of credit analysis is to look at both the borrower and the lending facility being proposed and to assign a risk rating. The risk rating is derived by estimating the probability of default by the borrower at a given confidence level over the life of the facility, and by estimating the amount of loss that the lender would suffer in the event of default.Credit analysis involves a wide variety of financial analysis techniques, including ratio and trend analysis as well as the creation of projections and a detailed analysis of cash flows. Credit analysis also includes an examination of collateral and other sources of repayment as well as credit history and management ability. Analysts attempt to predict the probability that a borrower will default on its debts, and also the severity of losses in the event of default. Credit spreads—the difference in interest rates between theoretically "risk-free" investments such as U.S. treasuries or LIBOR and investments that carry some risk of default—reflect credit analysis by financial market participants.Before approving a commercial loan, a bank will look at all of these factors with the primary emphasis being the cash flow of the borrower. A typical measurement of repayment ability is the debt service coverage ratio. A credit analyst at a bank will measure the cash generated by a business (before interest expense and excluding depreciation and any other non-cash or extraordinary expenses). The debt service coverage ratio divides this cash flow amount by the debt service (both principal and interest payments on all loans) that will be required to be met. Commercial bankers like to see debt service coverage of at least 120 percent. In other words, the debt service coverage ratio should be 1.2 or higher to show that an extra cushion exists and that the business can afford its debt requirements.".
- Credit_analysis wikiPageID "10944417".
- Credit_analysis wikiPageLength "5964".
- Credit_analysis wikiPageOutDegree "22".
- Credit_analysis wikiPageRevisionID "680630321".
- Credit_analysis wikiPageWikiLink Accounting.
- Credit_analysis wikiPageWikiLink Bank.
- Credit_analysis wikiPageWikiLink Bond_(finance).
- Credit_analysis wikiPageWikiLink Category:Credit_scoring.
- Credit_analysis wikiPageWikiLink Collateral_(finance).
- Credit_analysis wikiPageWikiLink Credit_risk.
- Credit_analysis wikiPageWikiLink Creditworthiness.
- Credit_analysis wikiPageWikiLink Debt_service_coverage_ratio.
- Credit_analysis wikiPageWikiLink Depreciation.
- Credit_analysis wikiPageWikiLink Earnings.
- Credit_analysis wikiPageWikiLink Interest.
- Credit_analysis wikiPageWikiLink Leverage_(finance).
- Credit_analysis wikiPageWikiLink Loan.
- Credit_analysis wikiPageWikiLink Moodys.
- Credit_analysis wikiPageWikiLink Moodys_Investors_Service.
- Credit_analysis wikiPageWikiLink Profitability_ratio.
- Credit_analysis wikiPageWikiLink Quick_Ratio.
- Credit_analysis wikiPageWikiLink Quick_ratio.
- Credit_analysis wikiPageWikiLink Ratio.
- Credit_analysis wikiPageWikiLink Reputation.
- Credit_analysis wikiPageWikiLink Risk_Management_Association.
- Credit_analysis wikiPageWikiLink Standard_&_Poors.
- Credit_analysis wikiPageWikiLink Univariate.
- Credit_analysis wikiPageWikiLink Volatility_(finance).
- Credit_analysis wikiPageWikiLinkText "Credit Analysis".
- Credit_analysis wikiPageWikiLinkText "Credit analysis".
- Credit_analysis wikiPageWikiLinkText "credit analysis".
- Credit_analysis wikiPageWikiLinkText "credit".
- Credit_analysis hasPhotoCollection Credit_analysis.
- Credit_analysis wikiPageUsesTemplate Template:Bond_market.
- Credit_analysis wikiPageUsesTemplate Template:One_source.
- Credit_analysis wikiPageUsesTemplate Template:Ref_improve.
- Credit_analysis wikiPageUsesTemplate Template:Reflist.
- Credit_analysis subject Category:Credit_scoring.
- Credit_analysis hypernym Method.
- Credit_analysis type Software.
- Credit_analysis comment "Credit analysis is the method by which one calculates the creditworthiness of a business or organization. In other words, It is the evaluation of the ability of a company to honor its financial obligations. The audited financial statements of a large company might be analyzed when it issues or has issued bonds. Or, a bank may analyze the financial statements of a small business before making or renewing a commercial loan.".
- Credit_analysis label "Credit analysis".
- Credit_analysis sameAs Kreditwürdigkeitsprüfung.
- Credit_analysis sameAs Кредитна_анализа.
- Credit_analysis sameAs Analiza_kredytowa.
- Credit_analysis sameAs Análise_de_crédito.
- Credit_analysis sameAs m.02qvrgn.
- Credit_analysis sameAs Q15218588.
- Credit_analysis sameAs Q15218588.
- Credit_analysis wasDerivedFrom Credit_analysis?oldid=680630321.
- Credit_analysis isPrimaryTopicOf Credit_analysis.