A case study design was used where data was collected to discover the lending processes of Barclays Bank Ghana. The study revealed that credit appraisal, collateral, credit scoring, credit-evaluation; credit documentation and disbursement were among the lending processes that are followed at the bank. From these determinants factors the respondents consistently demonstrated that credit evaluation procedure is the initial step embraced amid the credit organization. The bank also considers the five “Cs”. These are; character, credibility, capital, collateral and cycle (economic conditions) in addition to the 5 Cs, an expert may also take into consideration the interest rate. The study recommends that bank in an attempt to reduce loan default must strictly go by these strategies which include credit scoring or grading, relationship banking, past due reports, risk reports credit committee procedures, expert system and financial ratio.