The CRT-05 is a component of F&F that provides a comprehensive view of the financial standing and creditworthiness of commercial clients. The CRT-05 component generates a report detailing the current financial standing and creditworthiness of a target client, as well as the recent financial history the client has had with the lender. It presents a snapshot of the total financial picture of the business, including average balance, account usage, and payment trends. Additionally, the CRT-05 component includes a breakdown of the type of credit products the client holds as well as its behavior in the areas of loan maturities, delinquencies, bankruptcies, collections, credit charge-offs, and transfers of liability. Finally, the report also provides insight into the credit rating of the customer as assigned by an outside accredited credit rating agency.