NESDEC LOAN RISK RATING WORKSHEET

NAME COMPLETED BY
date
OBJECTIVE FACTORS SUBJECTIVE FACTORS
CALCULATIONS (rater may interpolate borderline scores) COMMENT ON ADJUSTMENTS
use only what factors are applicable
LOAN TO COLLATERAL
<40%=0 loan totals
40%-60%=2 Past Performance
60%-80%=4 collateral value #DIV/0!
>80%=6 0
Management
LIQUIDITY (%current assets to current liabilities)
>$50,000&150%=0 0
>$20,000 & 120%=1 0 Trends and Economic Factors
>$3000 & 100%=3 #DIV/0!
<$3000 & <100%=5 $0
Outside Income
DEBT TO ASSET
<40%=0 0 Debt Service Coverage
40-60=2 0
60-80=4 #DIV/0!
>80=6 Health or Personal
CREDIT SCORE
Other Relevent Facts or Trends
>720=0
680-720=1
580-680=3
<580=5
Notes on Credit
1. Lack of credit score due to not borrowing will not be
considered negative credit (may assign a 3 rating)
2. Active judgment or charged off account will be an
automatic 5 rating regardless of credit score.
ADJUST A MAXIMUM OF + OR - 4 POINTS
SUBTOTAL 0 (max of 2 pts per fact)
1 PRIME 0-5 ADJUSTMENT
2 DESIRABLE 6-9
3 SATISFACTORY 10-13 FINAL POINT TOTAL 0
4 WATCH 14-18
5 DOUBTFUL 19 and over
6 PROJECTED LOSS 19 and over with a negative collateral position
Collateral Description Source and Reasoning of Valuation Value/unit % value # units $ value
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Total Collateral Value 0 0
Debt To Asset Calculations
enter applicant or borrowers total assets
enter applicant or borrowers total liabilities to all creditors
Liquidity Calculations
Enter all current assets (cash, checking, savings, accounts recievable, inventories of items
normally sold in the course of business within 12 months)
do not include land, buildings, IRAs or vehicles intended for use by borrower
Enter all current liabilities such as payroll, taxes due, bills payable, Short term loans with
maturities due within 12 months, payments due within 12 months on long term debt.
include all credit card debt.
do not include loan principal due after 12 months, $0
working capital (current assets minus current liabilities) $0