The Credit Process is one of the core processes that are contributing for the major share of the profitability of the Banking industry. The credit facilities are extended mainly either for working capital and/or project financing. The major source of this financing is not from the bank’s shareholders contribution. Rather, it is extended from the deposit mobilization made from customers in the form of current; saving and time deposits. All these deposits are liability to the Bank which portrayed Banks are extending majority of the credit facilities from borrowed funds.