The Practice Of Lending
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| Author | : Terence M. Yhip |
| Publisher | : Springer Nature |
| Total Pages | : 468 |
| Release | : 2020-02-25 |
| Genre | : Business & Economics |
| ISBN | : 3030321975 |
This book provides a comprehensive treatment of credit risk assessment and credit risk rating that meets the Advanced Internal Risk-Based (AIRB) approach of Basel II. Credit risk analysis looks at many risks and this book covers all the critical areas that credit professionals need to know, including country analysis, industry analysis, financial analysis, business analysis, and management analysis. Organized under two methodological approaches to credit analysis—a criteria-based approach, which is a hybrid of expert judgement and purely mathematical methodologies, and a mathematical approach using regression analysis to model default probability—the book covers a cross-section of industries including passenger airline, commercial real estate, and commercial banking. In three parts, the sections focus on hybrid models, statistical models, and credit management. While the book provides theory and principles, its emphasis is on practical applications, and will appeal to credit practitioners in the banking and investment community alongside college and university students who are preparing for a career in lending.
| Author | : Nirmala Lee |
| Publisher | : Gosbrook |
| Total Pages | : 240 |
| Release | : 2018 |
| Genre | : Business & Economics |
| ISBN | : 9781912184057 |
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 | : Adrian Cudby |
| Publisher | : Kogan Page Publishers |
| Total Pages | : 353 |
| Release | : 2018-10-03 |
| Genre | : Business & Economics |
| ISBN | : 0749482788 |
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 | : Charles R. Geisst |
| Publisher | : Brookings Institution Press |
| Total Pages | : 275 |
| Release | : 2017-04-04 |
| Genre | : Business & Economics |
| ISBN | : 0815729014 |
Predatory lending: A problem rooted in the past that continues today. Looking for an investment return that could exceed 500 percent annually; maybe even twice that much? Private, unregulated lending to high-risk borrowers is the answer, or at least it was in the United States for much of the period from the Civil War to the onset of the early decades of the twentieth century. Newspapers called the practice “loan sharking” because lenders employed the same ruthlessness as the great predators in the ocean. Slowly state and federal governments adopted laws and regulations curtailing the practice, but organized crime continued to operate much of the business. In the end, lending to high-margin investors contributed directly to the Wall Street crash of 1929. Loan Sharks is the first history of predatory lending in the United States. It traces the origins of modern consumer lending to such older practices as salary buying and hidden interest charges. Yet, as Geisst shows, no-holds barred loan sharking is not a thing of the past. Many current lending practices employed today by credit card companies, payday lenders, and providers of consumer loans would have been easily recognizable at the end of the nineteenth century. Geisst demonstrates the still prevalent custom of lenders charging high interest rates, especially to risky borrowers, despite attempts to control the practice by individual states. Usury and loan sharking have not disappeared a century and a half after the predatory practices first raised public concern.
| Author | : Clark R. Abrahams |
| Publisher | : John Wiley & Sons |
| Total Pages | : 356 |
| Release | : 2008-03-14 |
| Genre | : Business & Economics |
| ISBN | : 9780470241899 |
Praise for Fair Lending ComplianceIntelligence and Implications for Credit Risk Management "Brilliant and informative. An in-depth look at innovative approaches to credit risk management written by industry practitioners. This publication will serve as an essential reference text for those who wish to make credit accessible to underserved consumers. It is comprehensive and clearly written." --The Honorable Rodney E. Hood "Abrahams and Zhang's timely treatise is a must-read for all those interested in the critical role of credit in the economy. They ably explore the intersection of credit access and credit risk, suggesting a hybrid approach of human judgment and computer models as the necessary path to balanced and fair lending. In an environment of rapidly changing consumer demographics, as well as regulatory reform initiatives, this book suggests new analytical models by which to provide credit to ensure compliance and to manage enterprise risk." --Frank A. Hirsch Jr., Nelson Mullins Riley & Scarborough LLP Financial Services Attorney and former general counsel for Centura Banks, Inc. "This book tackles head on the market failures that our current risk management systems need to address. Not only do Abrahams and Zhang adeptly articulate why we can and should improve our systems, they provide the analytic evidence, and the steps toward implementations. Fair Lending Compliance fills a much-needed gap in the field. If implemented systematically, this thought leadership will lead to improvements in fair lending practices for all Americans." --Alyssa Stewart Lee, Deputy Director, Urban Markets Initiative The Brookings Institution "[Fair Lending Compliance]...provides a unique blend of qualitative and quantitative guidance to two kinds of financial institutions: those that just need a little help in staying on the right side of complex fair housing regulations; and those that aspire to industry leadership in profitably and responsibly serving the unmet credit needs of diverse businesses and consumers in America's emerging domestic markets." --Michael A. Stegman, PhD, The John D. and Catherine T. MacArthur Foundation, Duncan MacRae '09 and Rebecca Kyle MacRae Professor of Public Policy Emeritus, University of North Carolina at Chapel Hill
| Author | : Ciby Joseph |
| Publisher | : John Wiley & Sons |
| Total Pages | : 454 |
| Release | : 2013-04-22 |
| Genre | : Business & Economics |
| ISBN | : 111860489X |
Credit is essential in the modern world and creates wealth, provided it is used wisely. The Global Credit Crisis during 2008/2009 has shown that sound understanding of underlying credit risk is crucial. If credit freezes, almost every activity in the economy is affected. The best way to utilize credit and get results is to understand credit risk. Advanced Credit Risk Analysis and Management helps the reader to understand the various nuances of credit risk. It discusses various techniques to measure, analyze and manage credit risk for both lenders and borrowers. The book begins by defining what credit is and its advantages and disadvantages, the causes of credit risk, a brief historical overview of credit risk analysis and the strategic importance of credit risk in institutions that rely on claims or debtors. The book then details various techniques to study the entity level credit risks, including portfolio level credit risks. Authored by a credit expert with two decades of experience in corporate finance and corporate credit risk, the book discusses the macroeconomic, industry and financial analysis for the study of credit risk. It covers credit risk grading and explains concepts including PD, EAD and LGD. It also highlights the distinction with equity risks and touches on credit risk pricing and the importance of credit risk in Basel Accords I, II and III. The two most common credit risks, project finance credit risk and working capital credit risk, are covered in detail with illustrations. The role of diversification and credit derivatives in credit portfolio management is considered. It also reflects on how the credit crisis develops in an economy by referring to the bubble formation. The book links with the 2008/2009 credit crisis and carries out an interesting discussion on how the credit crisis may have been avoided by following the fundamentals or principles of credit risk analysis and management. The book is essential for both lenders and borrowers. Containing case studies adapted from real life examples and exercises, this important text is practical, topical and challenging. It is useful for a wide spectrum of academics and practitioners in credit risk and anyone interested in commercial and corporate credit and related products.
| Author | : Richard E. Gottlieb |
| Publisher | : |
| Total Pages | : 1222 |
| Release | : 2014 |
| Genre | : Class actions (Civil procedure) |
| ISBN | : 9781402422614 |
| Author | : Richard K. Green |
| Publisher | : Academic Press |
| Total Pages | : 249 |
| Release | : 2013-11-21 |
| Genre | : Business & Economics |
| ISBN | : 0124045936 |
In Introduction to Mortgages & Mortgage Backed Securities, author Richard Green combines current practices in real estate capital markets with financial theory so readers can make intelligent business decisions. After a behavioral economics chapter on the nature of real estate decisions, he explores mortgage products, processes, derivatives, and international practices. By focusing on debt, his book presents a different view of the mortgage market than is commonly available, and his primer on fixed-income tools and concepts ensures that readers understand the rich content he covers. Including commercial and residential real estate, this book explains how the markets work, why they collapsed in 2008, and what countries are doing to protect themselves from future bubbles. Green's expertise illuminates both the fundamentals of mortgage analysis and the international paradigms of products, models, and regulatory environments. - Written for buyers of real estate, not mortgage lenders - Balances theory with increasingly complex practices of commercial and residential mortgage lending - Emphasizes international practices, changes caused by the 2008-11 financial crisis, and the behavioral aspects of mortgage decision making
| Author | : Tony Rhodes |
| Publisher | : Euromoney Publications |
| Total Pages | : 684 |
| Release | : 2009 |
| Genre | : Bank loans |
| ISBN | : 9781843745761 |
The new Syndicated Lending 5th Edition contains a new corporate acquisition case study, complete update and revised information to take account of all the changes in the rapidly evolving market for syndicated credits
| Author | : Peter Lyons |
| Publisher | : Global Professional Publishing |
| Total Pages | : 0 |
| Release | : 2005-10 |
| Genre | : Bank loans |
| ISBN | : 9781845160661 |
* Sets out the foundations of lending and corporate strategy * Covers more complex issues such as the analysis of available information * A practical book that shows how to use the techniques available to make a good lending decision * Covers partnerships, trusts, and other non-standards as well as problem classified loans and limited companies This book should enable the reader to learn how to make a good decision on lending to a corporate customer. Corporate strategy and the canons of lending form the basis of this book. Students will need a more complete corporate picture using financial and non-financial information so that they can understand the security, product, and pricing considerations. The book also examines the particular relationship between the lending bank and different corporate customers, including, of course, companies but also partnerships, Limited Liability Partnerships, trusts, non-profit-making bodies and other non-standard/non-personal customers.
