Credit Analysis and Lending Management

Credit Analysis and Lending Management

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Overview

Lending is one of the most important functions of any financial institution. If not managed properly, it can lead to credit quality problems, threatening the existence of the financial institution. To manage the lending function properly and mitigate credit quality problems, bank load officers should be adequately trained in risk assessment techniques. Credit Analysis and Lending Management, Third Edition, is a comprehensive and complete textbook on credit risk analysis and lending management. The book is divided into seven parts, including 16 chapters and six case studies. Parts l & ll present a framework for assessing and managing credit risk. Parts lll & lV include chapters that deal with special types of lending: consumer lending, corporate lending, small business lending, and international lending. Part V details credit risk management and measurement techniques, and problem loan management. Part Vl then looks at other forms of finance, while Part Vll contains the case studies. Throughout this text, learning objectives are clearly indicated at the beginning of each chapter, and the chapter content then directly addresses these objectives. Additionally, new concepts are developed in a brick-by-brick manner, and are then supplemented by clear and useful examples. This third edition has been fully revised and updated to address issues from the global financial crisis (GFC). It also contains new chapters on micro-finance, agricultural, and quantitative finance.

Product Details

ISBN-13: 9780734611642
Publisher: Tilde Publishing and Distribution
Publication date: 03/01/2013
Edition description: 3rd Edition
Pages: 550
Product dimensions: 7.80(w) x 9.80(h) x 1.30(d)

About the Author

James Bartle is Adjunct Lecturer at the University of New South Wales and heads a consulting company that focuses on credit and treasury risk management. James has over twenty years’ experience in the finance industry and has worked in various credit and treasury positions in the Commonwealth Bank of Australia, KPMG Management Consultants, and Bancorp Australia. He also spent several years teaching full time. James’s consulting experience has given him exposure to Australian banks, government and corporates. His research interests cover innovative methods of risk measurement, such as value at risk and CreditMetrics, as well as the advent of credit derivatives.

RAYMOND BOFFEY is Senior Lecturer in Finance and Banking at Edith Cowan University in Perth, and a Fellow of FINSIA. Ray has also worked for the Reserve Bank of Australia, and has consulted to and run lending courses for the banking industry. His most recent research interest involved using various Value at Risk (VaR) methodologies to quantify how banks and other businesses were impacted by the Global Financial Crisis (GFC).

MILIND SATHYE is Professor of Banking and Finance and Head of Accounting, Banking and Finance Discipline at the University of Canberra. Milind is a Fellow of CPA Australia and of FINSIA. On many occasions his expertise has been sought by Australian Senate Economic committees. His research focus is on efficiency and productivity, AMLCTG, e-banking and microfinance.

Table of Contents

Preface.

About the authors.

Acknowledgements.

PART 1: OVERVIEW.

Chapter 1. The Principles of Lending and Lending Basics.

PART 2: ANALYSIS AND INTERPRETATION OF CREDIT RISK.

Chapter 2. Financial Statements Analysis.

Chapter 3. Credit Scoring Techniques.

Chapter 4. Credit Risk Analysis an Introduction.

PART 3: CONSUMER LENDING.

Chapter 5. Consumer Lending.

Chapter 6. Real Estate Lending.

Chapter 7. Security, Consumer Credit Legislation and Legal Aspects of Lending.

PART 4: CORPORATE AND BUSINESS LENDING.

Chapter 8. Corporate Lending.

Chapter 9. Small Business Lending.

Chapter 10. International Lending.

PART 5: ASSESSMENT AND MANAGEMENT OF RISK.

Chapter 11. Credit Risk Measurement and Management of the Loan Portfolio.

Chapter 12. Credit Risk from the Regulator's Perspective.

Chapter 13. Problem Loan Management.

PART 6: CURRENT ISSUES.

Chapter 14. Electronic Banking and Lending.

Chapter 15. Marketing of Loans.

Chapter 16. Future Directions.

PART 7: CASE STUDIES.

Case Study 1 - Boat Builders Pty Ltd.

Case Study 2 - Financial Analysis of Boat Builders Pty Ltd.

Case Study 3 - Orbital Engine Corporation Ltd.

Case Study 4 - Veterinary Clinic Pty Ltd.

Case Study 5- Credit Risk of Major Australian Banks.

Glossary.

Index.

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