From: Credit granting sorting model for financial organizations
Criteria/code | Description |
---|---|
Payment capacity: PCP | Analysis of the maximum payment limit (instalment) to be assimilated by the proponent's income, considering all other primary individual and family needs of the proponent |
Financial score: FSC | Analysis of the financial results presented in the Balanced Scorecard and the evaluations of the Central Bank |
Debt capacity: DCP | Financial limit of values that may be assumed according to the company´s financial, history and turnover |
Operations history: OPH | Internal analysis of previous operations of the proponent that characterizes the proponent as an excellent or poor payer, and level of delay |
Warranty in operation: WOP | Existence of assets in guarantee and guarantor that will assume joint and sequential responsibility for the amount in case of default by the proponent |
Wealth analysis: WAN | Analysis of the equity presented that can meet the commitments assumed by the proposer |
Professional activity: PAC | Verification of the professional activity of the proponent concerning stability and risk and variations in profits |
Relationship level: REL | Internal analysis of the personal relationships of the proposer with the organization, active participation in committees, assemblies, personal knowledge of the board, and agency |