Credit Analysis and Lending Management

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.