Kreditna aktivnost je jedan od bitnih elemenata bankarskog poslovanja koji je ključan za opstanak banke i uspješnost njezina poslovanja. Banka uzima na raspolaganje tuđa sredstva, što od nje traži dodatnu odgovornost u raspolaganju tim sredstvima. Pravilno raspolagati tuđim kapitalom znači i ˝znati odobriti kredit˝. To zahtjeva posjedovanje potrebnih znanja te profesionalnih ljudi koji će to znanje prenijeti u praksu. Na taj se način mogu ispuniti upravljački ciljevi uspješnosti u poslovanju i vlasnički ciljevi zarade. U ovom radu objašnjeni su pojmovi financiranja, kredita, te opisana su obilježja i uloge svih oblika kreditiranja kao i uvjeti i kreditne sposobnosti koje koristi Imex banka. Iznesene su teorijske postavke o kreditnom riziku, kao i tradicionalni te suvremeni načini procjene kreditne sposobnosti. Nadalje, u empirijskom dijelu rada pomoću metode intervjua prikazan je cjelokupan proces kreditne aktivnosti Imex banke, od zaprimanja obrasca kreditnog zahtjeva i ostale dokumentacije do donošenja odluke o odobravanju ili odbijanju kreditnog zahtjeva. Credit activity is one of the key elements in banking business,and also a main factor for bank survival and the success of its business. The Bank takes in disposition other's resources, which requires additional responsibility for the funds. Proper dipose of someone else's capital also means to "know how to approve a credit". This requires the possession of the necessary knowledge and professional people who will transfer that knowledge into practice. This way, it's possible to fulfill the management goals of business success and ownership earnings goals in its full capacity. This thesis explains the terms of financing, loans, and describes the features and roles of all forms of lending as well as the conditions and creditworthiness used by Imex Bank. Theoretical assumptions about credit risk are presented, as well as traditional and modern ways of assessing creditworthiness. Furthermore, the empirical part of the paper uses interview methods to show the entire process of Imex banka's credit activities, from receiving the loan application form and other documentation to making decisions on approving or rejecting the loan application.