CREDIT

Swiss banks manage credit applications exceeding $6.5 trillion annually, requiring an extensive and detailed evaluation process to maintain financial stability. This process starts with a thorough investigation of each application, ensuring compliance with Swiss Financial Market Supervisory Authority (FINMA) standards. The credit analysis integrates modern risk assessment models, utilizing AI for client monitoring, portfolio analysis, and process automation. Strict document verification and background checks, including Anti-Money Laundering (AML) and Know Your Customer (KYC) procedures, are fundamental in the preliminary investigation. Financial statement analysis follows, ensuring accuracy and transparency. The risk assessment methodology evaluates creditworthiness through credit scoring systems and industry-specific risk factors, with stress tests conducted on potential economic scenarios.

Collateral evaluation, particularly in mortgage lending, focuses on default and collateral risks. Swiss banks use a tiered decision-making protocol, with clear responsibilities and a structured credit committee process for approvals. Appeals and exceptions are handled according to strict rules, ensuring fairness and transparency.