The quality of credit portfolio depends heavily on the integrity of the decision to grant credit, which is in turn linked to a set of policies, procedures and standards that will reduce the faltering customers.The focus in this study was on the risk department in the Syrian Real Estate Bank and the role that the department played to reduce the nonperforming loans through the policies and procedures that it carried out and the commitment to Monetary and Credit Council decisions related to non-performing loans. The results showed that the department has an effective role in reducing non-performing loans, and it currently faces set of difficulties inits work in.The most important recommendations that have been reached are the need to launch new products with special conditions adjusting with the current conditions, and focusing on the restructuring of the deposits and the importance of relying on the economic legal advisory team to reach more accurate credit decision.