Credit Decisions

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Credit Risk Management

Author : H. A. Schaeffer, Jr.
Publisher : Wiley
ISBN 13 : 9780471350200
Total Pages : 0 pages
Book Rating : 4.3/5 (52 download)

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Book Synopsis Credit Risk Management by : H. A. Schaeffer, Jr.

Download or read book Credit Risk Management written by H. A. Schaeffer, Jr. and published by Wiley. This book was released on 2000-01-26 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: How to decide when to say "yes" to a credit applicant-without jeopardizing your reputation or your company's bottom line Deciding whether a credit applicant is ultimately creditworthy involves more than just poring over their financial statements-it takes the kind of advice only an experienced credit expert, like Hal Schaeffer, can give. A 28-year veteran of the credit screening process, Schaeffer outlines the nuts-and-bolts of assessing a credit applicant's financial health and ability to make good on a line of credit. In part one's clear, four-part "A, B, C, D" format (A is for Analysis, B is for Building Essential Business Credit Information, C is for Considering All Factors,and D is for Decision), the author examines a prospective borrower from every angle, using formulas, checklists of what to look for, and available outside information sources (from Dun & Bradstreet to the Internet) to get a genuine picture of an applicant's current finances and degree of credit risk. Also outlined are the financial, credit, and business factors that go into a "sound business credit decision" a guideline for consolidating facts to vindicate your decision, as well as a series of twelve chapter-length case studies (contained in part two). Discussion includes: * Determining the cost and accuracy of financial information * Isolating information gaps in financial records * The actual costs (including total/partial loss of sale, insurance fees) and value (including future sales to the customer) to your company if credit is extended * The exact nature of the sale-large (or small); one-time deal or continuous; the expected profit margin * The controls your company has over the customer Complete with twelve chapter-length real-world case studies of problems typically encountered (with detailed solutions), Credit Risk Management offers practical, no-nonsense advice on how to minimize the risks-and maximize the benefits-to you and your company when you finally say "yes" to an applicant.

Credit Decisions

Author :
Publisher :
ISBN 13 :
Total Pages : 30 pages
Book Rating : 4.3/5 (555 download)

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Book Synopsis Credit Decisions by :

Download or read book Credit Decisions written by and published by . This book was released on 1995-04 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Banking Strategy, Credit Appraisal, and Lending Decisions

Author : Hrishikesh Bhattacharya
Publisher : Oxford University Press
ISBN 13 : 019908856X
Total Pages : 711 pages
Book Rating : 4.1/5 (99 download)

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Book Synopsis Banking Strategy, Credit Appraisal, and Lending Decisions by : Hrishikesh Bhattacharya

Download or read book Banking Strategy, Credit Appraisal, and Lending Decisions written by Hrishikesh Bhattacharya and published by Oxford University Press. This book was released on 2011-10-03 with total page 711 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides a thorough analysis of capital strategies, asset–liabilities management, and lending strategies within the overall framework of a lending organization. It presents methadologies for risk analysis, credit appraisal, and lending decisions with specific examples. Taking into account recent global developments, this revised edition includes three new chapters which discuss the impact of capital regulation on the risk attiude and profitability of banks, strategies to protect banks from a liquidity crisis, and the need for a portfolio approach in developing models for credit exposure and loan management within a risk–return framework. Using real life examples and case studies, this book imparts students and prefessionals wih required skills to manage finance and credit in banking and related fields in the financial sector. It is essential reading for researchers, aspiring and practising chartered accountants, bankers, financial analysts, and credit managers.

Emerging Market Bank Lending and Credit Risk Control

Author : Leonard Onyiriuba
Publisher : Academic Press
ISBN 13 : 0128034475
Total Pages : 739 pages
Book Rating : 4.1/5 (28 download)

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Book Synopsis Emerging Market Bank Lending and Credit Risk Control by : Leonard Onyiriuba

Download or read book Emerging Market Bank Lending and Credit Risk Control written by Leonard Onyiriuba and published by Academic Press. This book was released on 2015-08-03 with total page 739 pages. Available in PDF, EPUB and Kindle. Book excerpt: Using a framework of volatile markets Emerging Market Bank Lending and Credit Risk Control covers the theoretical and practical foundations of contemporary credit risk with implications for bank management. Drawing a direct connection between risk and its effects on credit analysis and decisions, the book discusses how credit risk should be correctly anticipated and its impact mitigated within framework of sound credit culture and process in line with the Basel Accords. This is the only practical book that specifically guides bankers through the analysis and management of the peculiar credit risks of counterparties in emerging economies. Each chapter features a one-page overview that introduces its subject and its outcomes. Chapters include summaries, review questions, references, and endnotes. - Emphasizes bank credit risk issues peculiar to emerging economies - Explains how to attain asset and portfolio quality through efficient lending and credit risk management in high risk-prone emerging economies - Presents a simple structure, devoid of complex models, for creating, assessing and managing credit and portfolio risks in emerging economies - Provides credit risk impact mitigation strategies in line with the Basel Accords

Surviving Debt

Author :
Publisher :
ISBN 13 : 9781602482104
Total Pages : 0 pages
Book Rating : 4.4/5 (821 download)

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Book Synopsis Surviving Debt by :

Download or read book Surviving Debt written by and published by . This book was released on 2024 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Credit Scoring and Its Applications, Second Edition

Author : Lyn Thomas
Publisher : SIAM
ISBN 13 : 1611974569
Total Pages : 380 pages
Book Rating : 4.6/5 (119 download)

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Book Synopsis Credit Scoring and Its Applications, Second Edition by : Lyn Thomas

Download or read book Credit Scoring and Its Applications, Second Edition written by Lyn Thomas and published by SIAM. This book was released on 2017-08-16 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit Scoring and Its Applications is recognized as the bible of credit scoring. It contains a comprehensive review of the objectives, methods, and practical implementation of credit and behavioral scoring. The authors review principles of the statistical and operations research methods used in building scorecards, as well as the advantages and disadvantages of each approach. The book contains a description of practical problems encountered in building, using, and monitoring scorecards and examines some of the country-specific issues in bankruptcy, equal opportunities, and privacy legislation. It contains a discussion of economic theories of consumers' use of credit, and readers will gain an understanding of what lending institutions seek to achieve by using credit scoring and the changes in their objectives. New to the second edition are lessons that can be learned for operations research model building from the global financial crisis, current applications of scoring, discussions on the Basel Accords and their requirements for scoring, new methods for scorecard building and new expanded sections on ways of measuring scorecard performance. And survival analysis for credit scoring. Other unique features include methods of monitoring scorecards and deciding when to update them, as well as different applications of scoring, including direct marketing, profit scoring, tax inspection, prisoner release, and payment of fines.

Credit Management

Author : Richard M. V. Bass
Publisher : Nelson Thornes
ISBN 13 : 9780748713745
Total Pages : 308 pages
Book Rating : 4.7/5 (137 download)

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Book Synopsis Credit Management by : Richard M. V. Bass

Download or read book Credit Management written by Richard M. V. Bass and published by Nelson Thornes. This book was released on 1991 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: The difference between success and failure for many companies is the reliability of their cash-flow. Since the first edition of this book, credit managers have seen many changes affecting their profession - new insolvency and company law legislation, changes in the operations of ECGD and other credit insurers, and better access to credit data through the spread of information technology. The book's emphasis is on credit management as a positive force, making a real contribution to profits. Intended for practising credit managers, credit controllers and their staffs, and for students, the book should also be of value to finance directors and accountants.

Making Sound Credit Policy Decisions

Author : Frederick C. Scherr
Publisher : National Assn of Credit Managers
ISBN 13 : 9780934914994
Total Pages : 200 pages
Book Rating : 4.9/5 (149 download)

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Book Synopsis Making Sound Credit Policy Decisions by : Frederick C. Scherr

Download or read book Making Sound Credit Policy Decisions written by Frederick C. Scherr and published by National Assn of Credit Managers. This book was released on 1996-05-01 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Consumer Credit and the American Economy

Author : Thomas A. Durkin
Publisher : Oxford University Press
ISBN 13 : 0199384959
Total Pages : 737 pages
Book Rating : 4.1/5 (993 download)

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Book Synopsis Consumer Credit and the American Economy by : Thomas A. Durkin

Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by Oxford University Press. This book was released on 2014-07-16 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.

Decisions, Uncertainty, and the Brain

Author : Paul W. Glimcher
Publisher : MIT Press
ISBN 13 : 9780262572279
Total Pages : 404 pages
Book Rating : 4.5/5 (722 download)

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Book Synopsis Decisions, Uncertainty, and the Brain by : Paul W. Glimcher

Download or read book Decisions, Uncertainty, and the Brain written by Paul W. Glimcher and published by MIT Press. This book was released on 2004-09-17 with total page 404 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this provocative book, Paul Glimcher argues that economic theory may provide an alternative to the classical Cartesian model of the brain and behavior. Glimcher argues that Cartesian dualism operates from the false premise that the reflex is able to describe behavior in the real world that animals inhabit. A mathematically rich cognitive theory, he claims, could solve the most difficult problems that any environment could present, eliminating the need for dualism by eliminating the need for a reflex theory. Such a mathematically rigorous description of the neural processes that connect sensation and action, he explains, will have its roots in microeconomic theory. Economic theory allows physiologists to define both the optimal course of action that an animal might select and a mathematical route by which that optimal solution can be derived. Glimcher outlines what an economics-based cognitive model might look like and how one would begin to test it empirically. Along the way, he presents a fascinating history of neuroscience. He also discusses related questions about determinism, free will, and the stochastic nature of complex behavior.

Credit Searches

Author : Great Britain: Parliament: House of Commons: Treasury Committee
Publisher : The Stationery Office
ISBN 13 : 9780215542915
Total Pages : 116 pages
Book Rating : 4.5/5 (429 download)

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Book Synopsis Credit Searches by : Great Britain: Parliament: House of Commons: Treasury Committee

Download or read book Credit Searches written by Great Britain: Parliament: House of Commons: Treasury Committee and published by The Stationery Office. This book was released on 2009 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: The report by the Treasury Committee calls on the Office of Fair Trading and the Information Commissioner's Office to investigate the fairness of a part of the credit market. The Report follows an inquiry sparked by concerns that in shopping around for credit, especially for unsecured credit such as personal loans and credit cards, consumers were building up a record of credit application searches on their credit reference files and that high numbers of recorded applications in fact made it harder for them to obtain credit, or affected the rates charged. The Committee's inquiry considered a range of evidence, including from members of the public who responded to a call put through web site moneysavingexpert.com to provide examples of their experiences and difficulties obtaining credit, credit search companies themselves, the OFT, ICO and others. The Report concludes that there is a fine balance of public interest between ensuring that fraud is prevented and consumers are protected from reckless lending, and ensuring that the market is subject to the disciplines of informed consumer choice. Loan providers have over 400 indicators that they may use to assess suitability; the Committee did not get compelling evidence that application search data is essential. Nor was it presented with overwhelming evidence that making multiple application searches is a major source of direct consumer detriment, although the number of consumers doing this seems likely to rise. However, the Committee was extremely concerned about the effect of the use of credit searches on market mechanisms, since, in principle, the ability to shop around is not only an important means for consumers to assess the market, but also provides a key discipline on providers. During the course of the inquiry the Committee heard about some solutions which could reduce the adverse effects of the use of credit application search data in credit reference files; it considers that any acceptable solution must strike an appropriate balance between minimising fraud and over-borrowing and ensuring the market is subject to normal market disciplines. It recommends that the OFT look at this.

Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance

Author : El Bachir Boukherouaa
Publisher : International Monetary Fund
ISBN 13 : 1589063953
Total Pages : 35 pages
Book Rating : 4.5/5 (89 download)

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Book Synopsis Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance by : El Bachir Boukherouaa

Download or read book Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance written by El Bachir Boukherouaa and published by International Monetary Fund. This book was released on 2021-10-22 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.

Agricultural Credit

Author : United States. Congress. Senate. Committee on Agriculture, Nutrition, and Forestry. Subcommittee on Agricultural Credit
Publisher :
ISBN 13 :
Total Pages : 568 pages
Book Rating : 4.3/5 (121 download)

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Book Synopsis Agricultural Credit by : United States. Congress. Senate. Committee on Agriculture, Nutrition, and Forestry. Subcommittee on Agricultural Credit

Download or read book Agricultural Credit written by United States. Congress. Senate. Committee on Agriculture, Nutrition, and Forestry. Subcommittee on Agricultural Credit and published by . This book was released on 1987 with total page 568 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Credit Risk Scorecards

Author : Naeem Siddiqi
Publisher : John Wiley & Sons
ISBN 13 : 1118429168
Total Pages : 124 pages
Book Rating : 4.1/5 (184 download)

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Book Synopsis Credit Risk Scorecards by : Naeem Siddiqi

Download or read book Credit Risk Scorecards written by Naeem Siddiqi and published by John Wiley & Sons. This book was released on 2012-06-29 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: Praise for Credit Risk Scorecards "Scorecard development is important to retail financial services in terms of credit risk management, Basel II compliance, and marketing of credit products. Credit Risk Scorecards provides insight into professional practices in different stages of credit scorecard development, such as model building, validation, and implementation. The book should be compulsory reading for modern credit risk managers." —Michael C. S. Wong Associate Professor of Finance, City University of Hong Kong Hong Kong Regional Director, Global Association of Risk Professionals "Siddiqi offers a practical, step-by-step guide for developing and implementing successful credit scorecards. He relays the key steps in an ordered and simple-to-follow fashion. A 'must read' for anyone managing the development of a scorecard." —Jonathan G. Baum Chief Risk Officer, GE Consumer Finance, Europe "A comprehensive guide, not only for scorecard specialists but for all consumer credit professionals. The book provides the A-to-Z of scorecard development, implementation, and monitoring processes. This is an important read for all consumer-lending practitioners." —Satinder Ahluwalia Vice President and Head-Retail Credit, Mashreqbank, UAE "This practical text provides a strong foundation in the technical issues involved in building credit scoring models. This book will become required reading for all those working in this area." —J. Michael Hardin, PhD Professor of StatisticsDepartment of Information Systems, Statistics, and Management ScienceDirector, Institute of Business Intelligence "Mr. Siddiqi has captured the true essence of the credit risk practitioner's primary tool, the predictive scorecard. He has combined both art and science in demonstrating the critical advantages that scorecards achieve when employed in marketing, acquisition, account management, and recoveries. This text should be part of every risk manager's library." —Stephen D. Morris Director, Credit Risk, ING Bank of Canada

The Credit Scoring Toolkit

Author : Raymond Anderson
Publisher : Oxford University Press
ISBN 13 : 9780199226405
Total Pages : 791 pages
Book Rating : 4.2/5 (264 download)

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Book Synopsis The Credit Scoring Toolkit by : Raymond Anderson

Download or read book The Credit Scoring Toolkit written by Raymond Anderson and published by Oxford University Press. This book was released on 2007-08-30 with total page 791 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Credit Scoring Toolkit provides an all-encompassing view of the use of statistical models to assess retail credit risk and provide automated decisions.In eight modules, the book provides frameworks for both theory and practice. It first explores the economic justification and history of Credit Scoring, risk linkages and decision science, statistical and mathematical tools, the assessment of business enterprises, and regulatory issues ranging from data privacy to Basel II. It then provides a practical how-to-guide for scorecard development, including data collection, scorecard implementation, and use within the credit risk management cycle.Including numerous real-life examples and an extensive glossary and bibliography, the text assumes little prior knowledge making it an indispensable desktop reference for graduate students in statistics, business, economics and finance, MBA students, credit risk and financial practitioners.

The 10 Best Decisions Every Parent Can Make

Author : Pam Farrel
Publisher : Harvest House Publishers
ISBN 13 : 0736935207
Total Pages : 226 pages
Book Rating : 4.7/5 (369 download)

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Book Synopsis The 10 Best Decisions Every Parent Can Make by : Pam Farrel

Download or read book The 10 Best Decisions Every Parent Can Make written by Pam Farrel and published by Harvest House Publishers. This book was released on 2006-03-15 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: Popular authors Bill and Pam Farrel are the parents of three active children. From their personal experience comes wisdom and encouragement for other parents. The Farrels offer ideas for loving and nurturing special needs, strong-willed, and prodigal children. With real-life examples and biblical inspiration, this book examines the 10 best decisions parents can make to unlock the unique gifts inside their children, including temperament ; goals; talents; spiritual development; and leadership abilities. Packed with creative, motivational tools and games that allow children to blossom and succeed, this resource is a great gift or parenting tool for parents who want their children to become everything God designed them to be.

The Indian Credit Reporting System

Author : Apurva Bhagat
Publisher : Notion Press
ISBN 13 :
Total Pages : 235 pages
Book Rating : 4.8/5 (87 download)

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Book Synopsis The Indian Credit Reporting System by : Apurva Bhagat

Download or read book The Indian Credit Reporting System written by Apurva Bhagat and published by Notion Press. This book was released on 2022-07-12 with total page 235 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book provides knowledge related to credit issue which is based on the vast experience of the author alongside some tips. A credit score is a phenomenal part of any lending decision, but due to a lack of awareness people are crushing out their credit and financial institutions are also failing at some point in lending decisions. The book reveals the some of the key points on: •The Credit Information Companies (Regulation) Act, 2005 •Gist of Credit Reporting System •Broad Explanation of Credit Reports •Importance of Credit Score and Best Ways to Boost It •TransUnion CIBIL Score 2.0 •Managing your Credit and Future Planning •Idea of Credit Rectification Company •Expert Advice The book is the first of its kind to provide you with some clarity on the subject in India.