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Credit Risk Fundamentals: How to Write the Financial Analysis for C&I Credits

Hooi Lim

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This article focuses on the financial analysis section of the credit memorandum (CM) for commercial & industrial (C&I) lending. It provides a systematic format for writing the analysis that is detailed and easy for the reader to follow. The approach ensures all the main accounts in the financial statements are reviewed and discussed. Write-ups will be faster, and it will shorten the time to train new analysts.

The credit memorandum recommends new credits, renewal plus modifica…

About the Author
Hooi Lim
former Senior Regional Credit Officer, Wells Fargo
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