Non-PRO English to Romanian Bus/Financial

As most major companies deal with exports, banks can offer short time credit to exporters until they recoup the money from importers, upon a collectibility guarantee for the lending bank. The usual procedures in the lending to individuals include the receipt of the application and required information, evaluation of the collectibility and collateral, decision on the loan amount, approval from the proper committee, legal evaluation and examination of the collateral, signing the contract and disbursement of the amount. (Este vorba cumva de o garantie in ceea ce priveste capacitatea de incasare, respectiv evaluarea acestei capacitati de incasare?)