About Credit Card Debt

All About Credit Card Debt
About Credit Card Debt

About Credit Card Debt

Avoiding Credit Card Debt Before it Sneaks up on You

Divorce and Credit Card Debt

Getting a Premium Interest Rate

Getting Everybody Into the Act

Handing the Debt Off

Hitting the 401K

Inside Out Credit Card Management

Is Zero Percent For Real?

Knowing When to Panic

Make the Credit Card Companies March to Your Tune

Manage but Don’t Be Managed by Credit

Moving that Debt to a Better Place

Playing the “B” Card

Stupid Credit Card Tricks

Taking Action on Credit Card Debt Before it’s Too Late

Taking Credit Card Debt Down the Way You Ran it Up

Taking on Credit Card Debt

Teaching the Kids About Credit

The Basics of Credit Card Debt Consolidation

The Jail Cell of Credit Card Debt

The Route Out of Debt

Time to Get Good and Angry About That Credit Card Debt

Time to Get Help

Working With Your Credit Score

Your Secret Weapon Against Credit Card Debt

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Credit analysis is the method by which one calculates the creditworthiness of a business or organization. In other words, It is the evaluation of the ability of a company to honor it financial obligations. The audited financial statements of a large company might be analyzed when it issues or has issued bonds. Or, a bank may analyze the financial statements of a small business before making or renewing a commercial loan. The term refers to either case, whether the business is large or small.

Credit analysis involves a wide variety of financial analysis techniques, including ratio and trend analysis as well as the creation of projections and a detailed analysis of cash flows. Credit analysis also includes an examination of collateral and other sources of repayment as well as credit history and management ability. Analysts attempt to predict the probability that a borrower will default on its debts, and also the severity of losses in the event of default. Credit spreads--the difference in interest rates between theoretically "risk-free" investments.

Before approving a commercial loan, a bank will look at all of these factors with the primary emphasis being the cash flow of the borrower. A typical measurement of repayment ability is the debt service coverage ratio. A credit analyst at a bank will measure the cash generated by a business (before interest expense and excluding depreciation and any other non-cash or extraordinary expenses). The debt service coverage ratio divides this cash flow amount by the debt service (both principal and interest payments on all loans) that will be required to be met. Commercial Bankers like to see debt service coverage of at least 120 percent. In other words, the debt service coverage ratio should be 1.2 or higher to show that an extra cushion exists and that the business can afford its debt requirements

Typical education credentials often require a bachelor degree in business, statistics, accounting (to include an emphasis in finance or economics). An MBA is not required however is increasingly being held or pursued by analysts, often to become more competitive for advancement opportunities. Commercial Bankers also undergo intense credit training provided by their Bank or a third-party company.

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