The aim of this paper is to analyze the credit scoring method and its impacts on the realization and approval of placements to clients. Various analysis methods are used in the approval process to indicate the potential of clients to meet their obligations. Analyzing the bank's operations has revealed that, of all risks, credit risk has the greatest impact on its operations. Credit risk directly affects the bank's profit or loss. With qualitative policies, the bank oversees other risks through parameters and control mechanisms applied in its operations. The growth and development of the banking system as a whole have stimulated the development of various methods for analyzing creditworthiness. The traditional approach no longer meets the conditions for calculating creditworthiness; the solution to the problem lies in the application of automated systems that extensively use statistical and mathematical algorithms to calculate creditworthiness. Each bank applies its own method for calculating the client's creditworthiness and determining the client's internal rating based on internal procedures and work processes. Credit rating is a measure of each client's reputation and dignity and should be distinguished from creditworthiness.