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Quantifying the 5 Cs: Credit Analysis Ratios That Matter

Commercial loan analysts can identify, based on financial characteristics of the business and borrower, the good and bad loans in their portfolio. In this paper, we look at the metrics most often used by analysts to quantify the 5 Cs of credit – capacity, capital, conditions, collateral, and character.

Download this whitepaper to learn

  • What these key metrics mean
  • How to calculate the ratios
  • Why these metrics are important for assessing creditworthiness
  • How to improve or change the ratios when coaching business borrowers