This study aims to analyze the pre-credit analysis process for consumer loans and to examine the role of information systems in supporting the prudential principle in banking. The research employs a qualitative descriptive approach using a case study method. Data were collected through in-depth interviews with a Consumer Account Officer and analyzed using descriptive qualitative analysis to capture actual practices in the pre-credit analysis stage. The results show that the pre-credit analysis process begins with the verification of prospective borrowers’ data and supporting documents to ensure data accuracy before further credit assessment is conducted. The Financial Information Service System (SLIK) is utilized to identify borrowers’ credit history, payment performance, and outstanding obligations at other financial institutions, which serves as an initial risk screening tool. In addition, an internal compliance information system is applied to assess non-financial aspects, particularly the borrower’s character and sources of funds, which may not be reflected in credit history data. The combined use of these systems enhances the accuracy and prudence of credit decision-making and contributes to minimizing potential credit risk. The study concludes that pre-credit analysis plays a critical role in supporting prudent lending practices, as it enables banks to evaluate both financial and non-financial risk factors prior to granting consumer credit.