The research paper examines the risk assessment of personal credit in commercial banks, demonstrating its significant impact on the bank's credit portfolio and loan recovery. It also explores effective risk assessment strategies for managing personal loans and identifies the challenges bank managers currently face. The study employs detailed questionnaires divided into three sections with a total of 30 questions, distributed to 180 lending managers responsible for personal loans. Of these, 169 managers responded, resulting in a response rate of 93.88%. The questionnaire aimed to gather valid and reliable data to support the research findings.