Guides for credit people.
How the work is actually done, from spreading a borrower's statements to reading a roll-rate table. Written for analysts, credit officers and portfolio teams.
Commercial Credit · 7 min read
What Is Loan Spreading? A Plain-English Guide to Financial Spreading
Spreading is how a credit analyst turns a stack of tax returns and financial statements into numbers a bank can compare and test. Here is what goes into a spread, how to build one, and where it usually goes wrong.
Commercial Credit · 6 min read
How to Write a Credit Memo: Outline, Template and Tips
A credit memo is the document a lender uses to ask for approval. This guide walks through each section of a typical commercial credit memo and how to write it so a committee can decide quickly.
Commercial Credit · 6 min read
Annual Loan Review Checklist for Commercial Loans
An annual review checks whether a commercial loan still looks the way it did when it was approved. Use this checklist to gather the right information, test the right things and update the risk grade with confidence.
Commercial Credit · 6 min read
Loan Covenants Explained: Financial Covenants, Headroom and Monitoring
Covenants are the promises a borrower makes to keep a loan healthy. This guide explains the common financial and reporting covenants, how to calculate them, and how to monitor headroom before a breach happens.
Retail Credit · 6 min read
Roll Rate Analysis: How to Calculate and Read Delinquency Roll Rates
Roll rates show how many loans move from one delinquency bucket to the next each month. They are one of the simplest early warnings in retail credit, if you build them carefully.
Retail Credit · 6 min read
Vintage Analysis Explained: How to Build and Read Vintage Curves
Vintage analysis groups loans by when they were booked and compares their performance at the same age. It is the clearest way to tell whether new loans are better or worse than old ones.