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Management background, education, experience, competence, years with company, legal issues, other commitments (side businesses)Įvaluation of the adequacy of management succession Name, title and functional position of key players This section includes information on key managers, including: Major organizational units (divisions, subsidiaries, etc.),Īnd relationships with affiliates, parent company or subsidiaries. Tax structure if not apparent from legal form (S-corp status vs. Principal owners and their percentage of ownership The present legal form (proprietorship, partnership, corporation, LLC) When and where it was started major events in the company evolution.Ĭustomer base, if there are large concentrations This section is used to describe all non-financial factors relating to the business. Transaction Summaries should be used for complicated deals. Type of loans, relevant terms, covenants, clean-up requirements, key-man life insurance, etc. What is it that this analysis will cover, i.e. It provides detail on the business, industry, organizational structure, historical sources of financing, significant accounting practices and management.
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The company overview is prepared as a permanent addition to the credit file.
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Our Evaluating Financial Statements section provides a practical/detailed primer on financial statement analysis. It helps to identify risks and identifies the ability to service debt. This format provides a consistent, systematic and flexible basis for analyzing credit requests and relationships. It should be taken as just a sample and adjusted for your specific needs. Here is a sample format for bankers and credit professionals to prepare a credit analysis on a commercial borrower.