Credit granting sorting model for financial organizations

Abstract Considering the environment of risks and influences inherent in decision-making process for credit-granting operations, it has become a matter survival financial organizations to seek improve how they engage effective ensure that their returns on invested capital will meet expectations established at beginning process. A sorting model is proposed. The aggregates perspectives different decision-makers support an organization credit analysis and, consequently, its operationality. based ELECTRE TRI-B multicriteria method. It sorts proposals into three classes, namely approved, technical analysis, rejected. group decision emerges from rules organization’s executive board. This new proposed approach dealing with results systematization reduction doubt among decision-makers, avoidance emergence informal groups, conflicts within organization, external interferences.