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Consumer credit risk assessment involves the implementation of risk assessment techniques to manage a borrower’s account from the event of pre-screening a potential application through to the management of the account during its life-cycle and possible write-off. This paper presents an empirical investigation to study the relationship between 13 different factors such as credit history, applications’ educational and management skills, etc. and credit risk. The study selects the profiles of 380 applicants who received loans from one of Iranian banks named Bank Mellat in city of Tehran, Iran over the period 2010-2011. Using Pearson correlation, the study has determined a meaningful relationship between applicants’ profiles including credit history, business characteristics, personal characteristics, etc. and credit risk

Evaluating applicants’ credit capability for banking facilities by qualitative and operational indicators