This study aims at identifying the differences between Syrian commercial public and private banks regarding the role of client's creditworthiness criteria and their relative importance in the credit decision-making process, in addition to recognizing the differences in empowerment between bank's branches in credit decision. To achieve the objectives of the study, a questionnaire is designed to cover the creditworthiness fields according to 5Cs model, which includes (Character- Capability – Capital – Collateral- and Condition). A Descriptive approach is used where hypotheses are tested by Independent Sample T-test from SPSS. The results showed that all 5Cs criteria are important in the credit decision- making process, but their importance differs among private and public commercial banks except for the collateral, where private banks place more weight to this criterion. Both types of banks have a high degree of centralization regarding credit decision, and restrict the power of their branches in dealing with lending files.