This document provides a template for writing credit profiles with sections for including key information such as the lessee/request details, management, business details, financial details, bank borrowings, cash flow, and a recommendation. It outlines components to include in each section, such as the name, management, capital structure, location visits, financial ratios, and bank references. The purpose is to gather essential information about the lessee to evaluate their creditworthiness and make a leasing recommendation.

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