Function loans should be separated from the function control loans. In the credit department of the bank's credit function analysis should be separated from the delivery and execution of credit agreement. This will contribute to the objective assessment of credit and reduce credit risk. Summarizing the above, we can conclude that the main task credit risk management is to determine the degree of acceptability and justification of a risk and making practical decisions either to use risk management or production of measures to reduce the risk of losses from bank conduct of an operation. The most important issue for the Bank is to assess and control risk loan portfolio as one of the pillars of effective management of the credit of the bank, and the main goal of the management loan portfolio - ensuring maximum profitability for certain level of risk [31].