Points to be considered for credit risk .

You have to decide whether to provide credit or not .

1.Character of the person and the organization . Also the relationship that can be developed

2.Capacity to pay back .This will also include capital and profitability 

Also turnover , asset size ,

3.Collateral - can he provide the same 

4.Reliability and continuity of the management 

5.Financial reporting and transparency 

6.Industry risk 

7.Asset liquidity