The American University in Dubai School of Business Administration- MBA program Instructor: Dr. Jihad Nader Credit Analysis in Commercial Lending: Qualitative and Quantitative Approach Prepared by: M. Naghavi Spring 2006 Table of Content 1. Introduction 3 2. A Four Step Analysis 3 2.1 Overview of Management, Operation and the Firm�s Industry 4 2.2 Common Size and Financial Ratio Analysis 4 2.3 Analysis of Cash Flow 5 2.4 Financial Projection 6 3. Z- Score Default Risk Model 7 4. Conclusion 9 Appendix I- Financial Ratios 10 Appendix II- Financial Projection (Pro forma Parameter) 11 Appendix III- Example of loan rating system and bond rating mapping 12 Work Cited List 13 1. Introduction Assessment and management of credit or default risk is a crucial process for the health of financial institutions as loans are the most dominant assets of almost every bank. Credit risk is defined as the �possibility of that the borrower [counterparty] may become unable or unwilling to fulfill his contractual obligations to lender� (Nader 13......

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