to make the payments.
             CREDIT ANALYSTS deal with commercial loans to business and industry. They do credit checks on the business owners themselves, the trends in the industry which they want to venture, the projected future of the company to see if they will be able to pay back their loans, and the potential for growth in the industry. They look at business methods and operations to see if the business is solidly run and looks promising. "To get facts, they talk with banks and other lenders who may have lent money to the loan applicant. They also read and analyze financial statements and compare past and current statements to learn whether the business is sound. If the loan is approved, they may assist with the preparation of the loan notes and other documents."(5)
             CREDIT MANAGERS have the final authority to accept or reject any and all credit applications. Before extending credit to businesses, the credit manager reviews detailed financial reports, interviews a representative of the firm, and reviews credit agency reports to see the firm's record for paying back its debts. If they are new and have none they then look to see what the owners credit history looks like. They are the ones who make the last call on whether a company receives the requested monies or not. They want to make sure the company has strong financial capeabilities to be able to withstand bad times. They do not want the loan to become unpaid or delinquint. "When extending credit to individuals, the credit managers rely on personal interviews, cred
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