When the client is already known by the lending institution, it is possible to extract information from previously acquired credits, interest rates applied, frequency of use, on-time repayment, among other factors. This relationship analysis helps analyze the suitability of the customer and can ensure a more favorable decision.
However, points out the difficulty of loan officers to get accurate information along with other credit institutions due to the need to maintain confidentiality of the operations with which they work. Knowing the customer equity is important in the credit analysis, mainly to be able to link it into credit agreements.
The analysis sheet and the debt collection software is often used for the evaluation of the guarantees that clients can offer to bind to the concession agreement. Collateral is binding to ensure the settlement of the credit if the borrower does not honor its debts.
