Department acts as the seller and expert in the provision of loans. In the second stage, the main objective of the bank - the final determination creditworthiness and financial condition of the client to conclude credit transaction on the most favorable terms for the bank. Given the great importance of this stage, many banking institutions create a special unit called the department or sector economic analysis. In the third stage, the bank conducts training for taking credit agreement. The third stage is possible only if the positive end of the second phase, that is credit scoring and risk. The third stage is called "structuring loans." In the process of structuring Bank defines the parameters of the loan: loan type, amount, term, security procedure for issuance and redemption price loans and more. Then the bank transaction is regarded lawyers who pay special attention to meet existing contracts and agreements and the effective legislation opportunity to successfully address the issue refund if default by the borrower loan agreement.