After initiating the review request and collecting data, the third stage of a credit review is the credit analysis. Credit Management provides you with Credit Analysis data pages that help you to make appropriate credit recommendations.
The Credit Analysis data pages comprise the universe of data points for the applicant. The Credit Analysis data pages that are available off the Analysis tab include:
Update Case Folder: Summary
Credit Analysis: Credit Summary
Credit Analysis: Billing and Payment Details
Credit Analysis: Aging Details
See: Viewing the Credit Summary.
Two audiences use these data pages:
Noncredit personnel are restricted from viewing the contents of the case folder because the folder might contain information that is pertinent only to credit personnel who are analyzing and approving credit decisions. Therefore, in order to provide a current credit snapshot of the applicant, noncredit personnel should use the Credit Summary, Billing and Payment Details, and Aging Details pages.
Access these pages by searching for a customer, then selecting the View All Data icon.
Credit personnel who want to view all point-in-time data for an active analysis.
Typically, a credit analyst performs a credit analysis based upon the data in the case folder, determined by the checklist associated with the customer credit classification and review type. If the credit analyst views the universe of data in addition to what is contained in the case folder, then he might notice something that could impact the outcome of the analysis. In such a case, the analyst could manually add one or more data items to the case folder.
To add data points from the database that are not specified in the checklist, click Add Data Points from the Checklist section of the Update Case Folder: Summary page. Access this page by searching for a customer, then selecting the View Case Folder > Update Case Folder icons.
For each category, only the data points not already selected in the case folder are displayed with their corresponding value.