Please review the passage carefully below and restructure it as concise as possible.

Credit assessment process has two dimensions: a quantitative and a qualitative one. The quantitative dimension of credit analysis is based on specific activities such as collecting, processing and interpreting all information regarding a debtor that a financial institution can access. A bank will use, for the financial data analysis, forecasts of future developments of a borrowers activity, its repayment capacity assessment through analysis and forecast of future expected flows of revenues and expenses, evaluation debtors ability to withstand shocks. The results of these activities are relatively easily quantifiable. Qualitative analysis involves gathering and updating information relating to the financial responsibility of the debtor, determining the real purpose of the loan, identifying what risks the borrower may face and estimating the debtors reliability and commitment.