Saad Sabbar Nasif, Ahmed Nawar Naseef, Kurdi
The practical growth of the banks has meant that risk has become a concern and that the banks face a wide range of different banking risk levels and this is why managing potential risks has become critical to help banks survive and ensure their continuity on banking markets as well as where banks and banks are establishments of the nature of their businesses. In particular, the credit risk faces revenues and threats in its different forms and is one of the most significant factors in credit risk that it faces and is the product of transactions in banking, with customers, institutions and both. Advanced allows the Bank to reliably define and helps to forecast their future. Based on that, several recent and modern studies have explored frameworks for managing banking credit risk management and how investments and financial decisions are to be taken on foundations and the rules of today's structures and to maintain good monitoring and administrative processes to ensure banks are able to more clearly recognize these risks. The purpose of this report is to analyze the internal rating system used by Merkez Al-Madina Automotive Trading Company (MAATC), the entity where the curricular internship was developed. To this end, an economic-financial analysis is carried out using the financial ratios model for a client company and the explanatory variables that are used for rating the rating are analyzed. This study draws conclusions about the management of credit risk, its importance and the process that financial institutions should follow in order to reduce the probability of default on their customer portfolios.