Credit worthiness

Appraise Credit Worthiness:
An organization’s long-term competitive position today is substantially dependent on its ability to raise affordable capital in the debt markets. An organization’s board and management team must attain and maintain a minimum credit rating that permits the organization to effectively compete in its marketplace. Credit ratings do matter.

During the past decade, rating agencies have shifted their focus from a microanalysis of organizations as stand-alone entities to macro analysis of organizations as part of complex regional and national healthcare systems. The emphasis on individual credit analysis is on how an organization has positioned itself in the past and is positioning itself for the future. The results of rating agencies’ analyses can be material to bond rating, insurance, and lending decisions.

In a research paper, describe the key ratios to analyze creditworthiness and how to conduct a financial credit analysis.

Length: 5-pages (app. 350 words per page)

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