RESEARCH TITLE ASESSMENT OF CREDIT RISK IN FINANCIAL MANAGEMENT THE ABSTRACT This proposal study explores financial credit risk assessment. This is an important issue because there is currently no standardized method used by financial institutions for the assessment of credit risk. There needs for a critical evaluation of the most popular credit risk assessment methods such as the judgmental method, credit-scoring and portfolio models along with limitations used. Survey interview process is needed for confirming that credit risk assessment methods should be combined for effective credit risk assessment. Accordingly, the study proposes a framework for improving credit risk assessment, which combines the strengths of these methods and copes successfully with study limitations. INTRODUCTION Credit risk covers risks due to upgrading or downgrading a borrower's credit worthiness which depend ob the potential sources of the risk who the client may be and who uses it as banks ...