CREDIT ANALYST TECHNICAL TEST

Name of applicant: Sebastian Lozano Mora

1. What is the release law?

It is where a bank or cooperative entity is in charge of making the discount through payroll
according to the agreement established by the entity.
2. How is capacity calculated when it is a release law?
Law 1527 is ((income-law discounts)/2) minus the discounts you have in the payroll
3. How is capacity calculated at 50?
capacity 50: (income/2) minus all payroll deductions
4. Indicate 1 payment that respects the capacity at 50%
Colpensions
5. Indicate the formula to calculate capacity in Casur
1527
6. Indicate the formula to calculate capacity in Cremil
At 50
7. What is the name of the platform where you consult and save a place for Casur?
Dibanka
8. What is the name of the platform where you consult and save quota for Cremil?
sygnus
9. To make the decision to approve a release credit, what do you think should be the points
to take into account? And what do you think the web queries should be to make this
decision?
rating in risk centers, payroll availability, global financial debt, embargoes, registration,
page of the entity that pays the pension, judicial branch
10. Describe the meaning of the following acronyms that we see in Cifin:
- AMPA: protected

- GUARANTEE: guarantor

- COAR:

- CODE: co-debtor

- DSOL: solidary debtor

- PRIN: main

- CIAL: commercial

- CONS: Consumption

- MICT: microcredit

- VIVI: housing

- READ:
- PSLI:

- PLIB:

- RLIB: Bill restructuring

 11. Perform the following
analysis:
EXERCISE #1 : Free investment process
- Realize payment capacity with a safety margin of $5,000
- Mark analysis in risk centers
- According to the central analysis, what would you ask to support and why?
- Would you approve this request or trigger a refund and why?

The risk centers of this client were not found.

Taking the report from risk centers, I would also make the decision if it is viable since there is no
different name in the attached file.
 12. Perform the following
analysis:
EXERCISE #2 : Portfolio purchase process (Kusida)
- Realize payment capacity with a safety margin of $3,000
- Mark analysis in risk centers
- According to the central analysis, what would you ask to support and why?
- Would you approve this request or trigger a refund and why?

1. Client has high arrears in risk centers and must attach peace and safe
2. It would automatically make the refund keeping in mind that in risk centers it is not a reliable
client taking into account the vectors, and it would be evaluated with the boss according to
the attached peace and except if it were to present itself since it has discount capacity.
13. Perform the following
analysis: