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Author: Nirmala Lee Publisher: Gosbrook ISBN: 9781912184057 Category : Business & Economics Languages : en Pages : 240
Book Description
This book is for students and professionals working, or intending to work, in a lending-related role.The text provides comprehensive, up-to-date coverage of bank lending, its principles and practices. Bank lending performs a key role within global and national economies. Individuals and enterprises look primarily to banks and other financial institutions to finance their personal and business requirements. Good lending practice is therefore a core skill required within the financial services industry. This book will give lending staff the detailed knowledge and understanding of the financial and legal aspects of their roles they need to be able to fulfil employer as well as customer expectations.Topics include:lending principlesthe legal and regulatory frameworktypes of borrowerpurposes of financingsecuritythe lending cycleIslamic financeimpact of lending and social responsibilityThe book provides students and practitioners of bank lending with an excellent understanding of lending practices as well as the principles that underpin these practices.
Author: Nirmala Lee Publisher: ISBN: 9781912184071 Category : Bank loans Languages : en Pages : 242
Book Description
This book is for students and professionals working, or intending to work, in a lending-related role. It provides comprehensive, up-to-date coverage of bank lending and will give lending staff the detailed knowledge and understanding of the financial and legal aspects of their roles they need to fulfil employer, as well as customer, expectations.
Author: Nirmala Lee Publisher: Gosbrook ISBN: 9781912184057 Category : Business & Economics Languages : en Pages : 240
Book Description
This book is for students and professionals working, or intending to work, in a lending-related role.The text provides comprehensive, up-to-date coverage of bank lending, its principles and practices. Bank lending performs a key role within global and national economies. Individuals and enterprises look primarily to banks and other financial institutions to finance their personal and business requirements. Good lending practice is therefore a core skill required within the financial services industry. This book will give lending staff the detailed knowledge and understanding of the financial and legal aspects of their roles they need to be able to fulfil employer as well as customer expectations.Topics include:lending principlesthe legal and regulatory frameworktypes of borrowerpurposes of financingsecuritythe lending cycleIslamic financeimpact of lending and social responsibilityThe book provides students and practitioners of bank lending with an excellent understanding of lending practices as well as the principles that underpin these practices.
Author: Leonard Onyiriuba Publisher: Createspace Independent Publishing Platform ISBN: 9781975902247 Category : Languages : en Pages : 320
Book Description
Lending and credit administration nowadays are increasingly becoming core functions in bank management. Equally, they now easily dominate regulatory and stakeholder interests in how banks are run to ensure that they remain liquid and strong going concerns at all times. Incidentally, the two banking activities are carried out within a common framework that defines a bank's risk assets portfolio strategies. The framework comprises the crux of the usually three-pronged lending function - depicted as the three pillars of credit risk management: credit analysis (pillar 1); credit policy and control - also referred to as credit administration or credit compliance (pillar 2); and loan workout, remedial and recovery (pillar 3). Credit analysis institutionalizes a process for assessing credit risk well while credit admin enforces credit control and compliance. Loan recovery follows failure of workout and remedial actions on delinquent loans. The approach to, and methodology for, dealing with issues implied in the pillars have witnessed dramatic changes over time. Yet, the goal of credit risk management remains immutable. Its spirit is geared to ensure that bank lending is efficient and that risk assets portfolio is of high quality. The facts that lending generates the largest earning, as well as riskiest, assets of a bank underscore the need to attain the goal. It is imperative, therefore, that students, practitioners and stakeholders - indeed, everyone having borrowing relationship with a bank - is availed a good textbook that elucidates the subject. This edition of "Principles and Practice of Bank Lending" - now jointly authored by Leonard Onyiriuba (sole author of the first edition) and Ochei Ikpefan - fulfills the foregoing need. It comprehensively covers curriculums on bank lending and credit administration - with tutorials on, and solutions to past questions of, the professional examinations of Chartered Institute of Bankers of Nigeria. It will keep the readers abreast of evolving issues, possibilities and risk management demands in bank lending and credit administration overall. The readers will especially find the book useful both as a course text - for students in institutions of higher learning - and as a practical handbook that serves reference needs. It will certainly be indispensable to its target audience and a really good read.
Author: Adrian Cudby Publisher: Kogan Page Publishers ISBN: 0749482788 Category : Business & Economics Languages : en Pages : 353
Book Description
Endorsed by the Chartered Banker Institute as core reading for one of the modules leading to the Institute's professional qualifications and chartered status, Commercial Lending supports readers that wish to develop their ability to analyze the creditworthiness of a customer and their business in the context of the current economic climate, future market and sector expectations. Commercial Lending uses a series of practical exercises and case studies, and provides the tools needed for the reader to understand and appraise a customer's business strategy. This will then enable the reader to provide appropriate funding solutions to meet the commercial needs of customers while reflecting the bank's risk appetite. These tools include: how to assess the performance and creditworthiness of a business; how to critically evaluate the robustness of cash flow; and how to undertake sensitivity analysis to quantify sustainable debt repayment capacity. This practical text will present a critical analysis of financial and non-financial information to help readers identify key risks inherent in the customer's lending proposition. Readers will go on to propose suitable funding solutions that mitigate risk and meet the needs of customer and bank. Online supporting resources include a glossary and updates to regulation in the UK. All law and legislation used throughout the book (Chapters 1, 6 and 9) is either UK or English law. Readers outside the UK are recommended to check the appropriate legislation in their country. The currency used throughout the book is UK Sterling (denominated by £ symbol) and where working examples are used (particularly in Chapters 2 and 3) readers can substitute their own currency by using the appropriate exchange rate for their own country.
Author: Moorad Choudhry Publisher: John Wiley & Sons ISBN: 1119755646 Category : Business & Economics Languages : en Pages : 868
Book Description
A timely and robust discussion of responsible bank stewardship and practice. The Second Edition of The Principles of Banking offers banking professionals, regulators, and students from a variety of backgrounds an authoritative and practical discussion of the foundations of modern banking and good banking practice. In the book, you'll find a comprehensive roadmap to a more sustainable business model for your banking organization. The author draws on his many years' experience as a commercial and investment banker as he explains the original principles of banking—including sound lending policy, capital management, and liquidity risk management—as well as new material covering the impact of COVID-19 on banks, risk management, and balance sheet management. The Principles of Banking also provides recommendations for bank asset-liability management best practices that enable banks to deliver optimized balance sheets for the benefit of all stakeholders. It also includes new chapters in market risk management, foreign exchange risk management, interest rate risk, and credit risk policy and management. An essential update to a widely read and taught banking text, The Principles of Banking, Second Edition is an indispensable resource for banking professionals and students everywhere.
Author: Leo Onyiriuba Publisher: ISBN: 9781492710639 Category : Languages : en Pages : 388
Book Description
The book has numerous benefits. It answers critical bank lending and borrowing questions, covers contemporary curricula for academic and professional courses on the subject, and explains lending risks and management in highly volatile markets. It demonstrates how loans are appraised, declined or approved, as well as the workings of credit risk management. Its companion text, Credit risk: Taming a hotbed of reckless banking, has inter-national appeal. It expounds on the evolving issues in credit risk manage-ment in international banking and finance, and discusses controversies surrounding the Basel Accords and implications of the Accords for credit risk management. It also analyses international debate, praise, and criticism of the Basel Accords, and repositions risk management thinking to reflect the wide currency of Basel I and Basel II. Divided into nine parts, each of the parts groups and addresses related issues in a subject. The thirty-one chapters of the book are distributed to the nine parts based on this criterion. A one-page opening overview introduces the subject of a chapter, and leads to the chapter's learning focus and out-comes. It adopts a simple approach to complex topics, enhanced by succinct summaries and review questions. With clear references and detailed end-notes, the book is devoid of confusing connotations. My goal is to ensure that the book is simple enough to understand and apply in dealing with the problems at issue in bank lending and credit risk management
Author: Nirmala Lee
Author: Nirmala Lee
Author: Nirmala Lee
Author: Leonard Onyiriuba
Author: James William GILBART
Author: James William Gilbart
Author: Ray Bert Westerfield
Author: Adrian Cudby
Author: Moorad Choudhry
Author: Leo Onyiriuba
Author: Edward Carroll