Evaluation of a credit customer in a credit organization

The article proposes a model of an effective credit management system for a credit institution. The goal is to determine the impact of selected loan management processes on the effectiveness of the entire credit management system. This is done through hypothesis testing, using the usual least squares method. Another problem is the assignment to individual clients of their real strategic importance in the credit portfolio of a credit institution in order to ensure the optimal allocation of financial resources. For this purpose, two different methods are used, namely: analysis of the client loan portfolio and the method of estimation using logistic regression. A model of an effective credit management system in a credit institution has been proposed. The factors affecting the credit management process and the effectiveness of the entire credit management system are identified. The strategic values of the credited clients for the credit institution are determined, which allows optimizing the distribution of the financial resources of the credit institution and the entire credit management system.