Standardized Services

Credit Analysis

The credit analysis area is specialized in providing service to the originator, with the objective of guaranteeing that the receivables are generated in accordance with the payment and credit policies accepted by the bank and securitization markets, in a manner to ensure the future pass-through or securitization of the credit.

Our concept of credit analysis in not just restricted to the analysis of income, but encompasses the financing conditions, interest rates, insurance, utilization of FGTS, with the vision of guaranteeing technical and financial conformance of the obligated buyers.

This vision made possible the development of the criteria and parameters for credit eligibility in partnership with securitization companies and credit rating agencies.

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