1. Credit Report
1.Why we write a profile?
2. To whom?
3. What should a profile contain?

2. Profile Components
• Name of Lessee / Request
• Reference / Relationship with OLE
• Terms Recommended
• Shareholding structure
• Management
• Business Details
• Financial Details and Comments
• Bank Borrowings
• Cash Flow
• Recommendation

3. Before Starting
•Perpetrator Name
•Reviewer Name
•Date
•New Lessee / Existing

4. Name of Lessee
• Name of Lessee / Group
• Abbreviation

5. Request
• In house / Executive Committee
• Specific limit / Revolving line
• Assets brief
• (Aggregate) Purchase cost

6. Route of Enquiry
• The reference.
• Logic behind writing reference.
• The main references available:
• 1. Suppliers
• 2. Existing Lessees
• 3. Direct Approaches
• 4. Others

7. 1.Suppliers
• Who is the supplier?
• What is he selling – Agent / Distributor?
• What is the history with OLE (HO / Alex)?
• What is the experience with lessee?
• What is the opinion about lessee?
• Additional Information if available…

8. 2. Existing Lessee
• Who is the lessee?
• What is his internal grading?
• What is the relation?
• What is the opinion?

9. 3. Direct App. / Others
• Why Directly Approached?
• What is the general reputation?

10. Relationship with OLE
• Lessee since …
• Internal Grading.
• Number of Total contracts / live / term.
• Total Purchase Cost – Total Exposure
• Paid up
• Exposure Report
• What if recent existing lessee?

11. Terms Recommended
• Revolving / Specific
• Asset Detail
• Purchase Cost
• Rent / Advance / Arrears
• FEF / Documentation Charges
• Total Exposure
• Insurance
• Guarantee

12. Capital Structure
• Legal Status
• Date of establishment
• Founder
• Original paid in capital / Current
• Capital Structure
• Signers

13. Management
• Name / Age / Education / year
• Experience
• Successors if required

14. Business
• What is the business?
• What is the products / Mix?
• How is he selling / fleet?
• Branches / locations
• Customers / credit policy / export?
• Suppliers / credit policy / import?
• Number of employees

15. Location Visit
• Number of locations?
• Who?
• When?
• Where?
• What?

16. Financial Comments
• Sales / Gross Profit / Net Profit
• Current Assets / Current Liabilities
• Net Worth / Total Assets / Fixed Assets
• Short / Long term loans
• Any other major items
• Current / STD/Equity
• Sales Growth / GPM / NPM
• Receivables / Inventory DOH

17. Sales
• What is Sales?
• Sales Growth / Increase / Decrease
• Why?
• What is the projection / Why?

18. Profitability
• What is profitability / GPM / NPM
• What is the fact
• Why?
• What is the projection / Why?

19. Current Assets / Liabilities
• What is current Assets / Liabilities
• Receivables / Inventory DOH
• What is the fact?
• Why?
• What is the projection / Why?

20. • What is net worth?
• What is the fact?
• Comment?
• Projection / Why? If required
Net Worth

21. Liquidity & Solvency Ratios
• What is the ratios used?
• What is the fact
• Comment?
• Projection / Why? If required

22. Bank Borrowings
• Banks dealing with?
• Bank reference / Statement of acct.
• Maturities?
• Limits granted?
• Utilization?
• Collateral
• Interest (if available)

23. Cash Generation
• How it is done?
• RECOMMENDATION…………

24. Additional Items
1. Rationale of Leasing
2. Other Credit References

25. That’s All