Credit Evaluation School, Sacramento, CA

CREDIT MEMORANDUMS • How debt conforms to policy parameters, if not, is it noted as an exception? • Strengths and weaknesses of borrower and operation including collateral coverage • Repayment capacity related to debt here and overall leverage

IDENTIFICATION OF BORROWER • Articles of Incorporation • Borrowing Authority (Resolution) • Certificate of Good Standing • Credit Report • Scoring Rating – Internal or External review. • Guarantys