Redit analysis of potential customers of IBM Global Financing. Current status appraisal and recommendations for future improvement.
The dissertation should contain the literature research on the subject of credit analysis in commercial banks, leasing and other type of financing companies. Comparison of the credit risk assessment tool in IBM and the proposition of its improvement. As currently there was a number of customers that had been highly rated by credit department in IBM an later went bankrupt, it seems there are some ways for improvement.
One of the problems is that IBM credit assessment process is highly confidential subject and is not available. Only interview with credit analysts can be done.