One of the most common fields of banking is lending money in the form of a loan. The biggest risk regarding that matter is whether or not the debtor will succeed in repaying the loan. A smaller risk is when the loan is repaid too early. Our focus was on identifying such loans quarterly. In our thesis, using bank and external macroeconomic data, we constructed several predictive models based on different methods. Our results indicate, considering the constraints we defined, that we managed to identify roughly 50% of such loans.