A person’s character is made up of their reputation in the community as well as the history of their employment. Being in one job longer will help build up character.
The amount of money a person has built up in their saving and checking accounts as well as the cash they have.
A person’s capacity is the ability to make payments towards a loan or credit card based on their income and debt.
Collateral are a person’s belongings which can be taken away if they do not pay the regular payments. These include: houses, cars, or jewelry.
The conditions are how the economy is affecting the risk of the deal.