The Credit Risk Rating System main purpose is to measure credit risk and to rate credits by the risk they pose, providing a well informed decision making process to the management in order to promote safety and soundness of the bank. This system allows bank management to monitor credit risk and also to forecast trends in risk levels of a bank loan. The rating system should provide information on both the ability and willingness of the borrower to repay the loan. Also the rating system provides dates on the structure and the collateral supporting the loan.