Credit Appraisals
(การประเมินเครดิต)
Definition
Credit Appraisals (การประเมินเครดิต) Hard Skill
The process of evaluating the creditworthiness of individuals or businesses by analyzing financial data, repayment capacity, and risk factors to make informed lending decisions.
Expertise Level
Level 1
Basic
1. Understands basic concepts of credit appraisal and key financial terms.
2. Can collect and organize necessary financial documents.
3. Able to perform simple credit checks and background verifications.
Level 2
Intermediate
1. Analyzes financial statements to assess repayment capacity.
2. Identifies potential risks associated with lending to applicants.
3. Prepares credit appraisal reports with recommendations.
Level 3
Advanced
1. Evaluates complex financial structures and market factors affecting credit risk.
2. Applies advanced risk assessment models and regulatory compliance in appraisals.
3. Makes strategic lending decisions and advises on credit policy improvements.
