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| Topic : Trade credit risk insurance |
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Posted in Community :
Credit Derivatives
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Activity:
56 views;
last activity : 07 06 2010 20:18:09 +0000
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EBITDA
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Entity’s Credit History
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Net Assets Cover
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Credit Risk..compare other banks
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Indication of ability to generate sufficient cash flows to cover interest/principal.
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Does the entity currently trade with merchants comparable to you? If so what’s the motive to enlist with a new vendor that provides the same/similar merchandise or services? How does the entity’s industry fare in the current economic climate? If the industry as a whole is distressed you should proceed with caution as to the extent of credit you consider extending once you qualify your prospect as a creditable candidate to do business with.
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Very careful view regarding 'real' value of current assets and current liabilities. Has the entity recently applied for new loans? If so – how many – and in what standing. Multiple loans should raise a red flag – this signifies the entity could be experiencing challenges with adequate cash flows, reserves, capital and/or collateral.
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Apart from financials of the company and its business outlook, one of the most important things to be looked at is corporate's rating by competitive banks in the industry of respective bank's size and scale of operations. Once a private bank of same size has issued limits (non funded and funded to corporate) it means various factors have gone into consideration including business potential. Yes consider the key factors involved in risk assessment but too much of analysis can lead to paralysis and more importantly loss in revenue. |
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