Consumer credit risk assessment involves the implementation of risk assessment techniques to manage a borrower’s account from the event of pre-screening a potential application through to the management of the account during its life-cycle and possible write-off. This paper presents an empirical investigation to study the relationship between 13 different factors such as credit history, applications’ educational and management skills, etc. and credit risk. The study selects the profiles of 380 applicants who received loans from one of Iranian banks named Bank Mellat in city of Tehran, Iran over the period 2010-2011. Using Pearson correlation, the study has determined a meaningful relationship between applicants’ profiles including credit history, business characteristics, personal characteristics, etc. and credit risk.

In this paper, we present an empirical investigation to measure the effects of various factors on operating loss in one of major Iranian banks called Bank Mellat. The proposed study of this paper uses a standard questionnaire and distributes it among 57 people who are mainly in top management levels. The questions are categorized into five groups including events related to the processes and methods, events outside the organization, related events within the organization and business disruptions and system failure. The results of our survey confirm that the loss associated with events related to the processes and methods increases operating risk meaningfully, the loss associated with business disruptions and system failure increases operating risk meaningfully and the loss associated with related events within the organization increases operating risk meaningfully. However, our survey do not confirm that the loss associated with events outside the organization increase operating, risk meaningfully. Finally, the preliminary survey of our analysis shows that there is not enough evidence to believe that the effects of business disruption and internal affairs are significantly different from the other event.