This requires to take into account factors

- Over-concentration - the concentration of loans in a sector of the economy - over-diversification, which reduces the quality of governance in the absence of a sufficient number of highly qualified specialists with knowledge of the many sectors of the economy - Foreign exchange risk portfolio - Portfolio, if he formed only with the needs of customers, not the bank - the bank's level staff. The main causes of the credit risk on a per-credit: - Failure to establish adequate borrower's cash flow - liquidity risk of collateral - Moral and ethical characteristics of the borrower. The approaches to risk management, a separate loan include: analysis of the borrower's creditworthiness, credit score, loan structuring, documenting the credit operations, control of state loans and collateral. A feature of these methods is the need for their consistent application, since they are both stages of the process of lending. If at each stage before the credit the employee tasked to minimize credit risk, it is legitimate to consider the stages of credit risk management techniques as a separate loan. Topic: Risks in Banking | Tags: Credit risk