Sample Term Paper

Five C’s of Credit Analysis

Credit analysis determines the ability of a borrowing organization or individual to repay the loans at a future date. The five C’s of credit analysis are capacity, capital, collateral, conditions and character. All of these areas have to be covered while lending and it has to be remembered that weakness in one of these areas may result in a bad debt.

The strength in one of these areas also does not guarantee full repayment of loan. In order to assess an entity for lending purposes all of these areas have to be given due consideration. It also does not mean that if one of these areas is quite strong, a loan should be approved on this single factor.

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