The Practice of Lending

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Author :
Publisher : Springer Nature
ISBN 13 : 3030321975
Total Pages : 468 pages
Book Rating : 4.0/5 (33 download)

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Book Synopsis The Practice of Lending by : Terence M. Yhip

Download or read book The Practice of Lending written by Terence M. Yhip and published by Springer Nature. This book was released on 2020-02-25 with total page 468 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Bank Lending

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Author :
Publisher : Gosbrook
ISBN 13 : 9781912184057
Total Pages : 240 pages
Book Rating : 4.1/5 (84 download)

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Book Synopsis Bank Lending by : Nirmala Lee

Download or read book Bank Lending written by Nirmala Lee and published by Gosbrook. This book was released on 2018 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Banking and Lending Practice

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Publisher :
ISBN 13 : 9780455237084
Total Pages : pages
Book Rating : 4.2/5 (37 download)

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Book Synopsis Banking and Lending Practice by : Prudence Meredith Weaver

Download or read book Banking and Lending Practice written by Prudence Meredith Weaver and published by . This book was released on 2016 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Fair Lending Compliance

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Publisher : John Wiley & Sons
ISBN 13 : 9780470241899
Total Pages : 356 pages
Book Rating : 4.2/5 (418 download)

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Book Synopsis Fair Lending Compliance by : Clark R. Abrahams

Download or read book Fair Lending Compliance written by Clark R. Abrahams and published by John Wiley & Sons. This book was released on 2008-03-14 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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

Commercial Lending

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Publisher : Kogan Page Publishers
ISBN 13 : 0749482788
Total Pages : 353 pages
Book Rating : 4.7/5 (494 download)

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Book Synopsis Commercial Lending by : Adrian Cudby

Download or read book Commercial Lending written by Adrian Cudby and published by Kogan Page Publishers. This book was released on 2018-10-03 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Active Credit Portfolio Management in Practice

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Publisher : John Wiley & Sons
ISBN 13 : 0470080183
Total Pages : 645 pages
Book Rating : 4.4/5 (7 download)

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Book Synopsis Active Credit Portfolio Management in Practice by : Jeffrey R. Bohn

Download or read book Active Credit Portfolio Management in Practice written by Jeffrey R. Bohn and published by John Wiley & Sons. This book was released on 2009-04-06 with total page 645 pages. Available in PDF, EPUB and Kindle. Book excerpt: State-of-the-art techniques and tools needed to facilitate effective credit portfolio management and robust quantitative credit analysis Filled with in-depth insights and expert advice, Active Credit Portfolio Management in Practice serves as a comprehensive introduction to both the theory and real-world practice of credit portfolio management. The authors have written a text that is technical enough both in terms of background and implementation to cover what practitioners and researchers need for actually applying these types of risk management tools in large organizations but which at the same time, avoids technical proofs in favor of real applications. Throughout this book, readers will be introduced to the theoretical foundations of this discipline, and learn about structural, reduced-form, and econometric models successfully used in the market today. The book is full of hands-on examples and anecdotes. Theory is illustrated with practical application. The authors' Website provides additional software tools in the form of Excel spreadsheets, Matlab code and S-Plus code. Each section of the book concludes with review questions designed to spark further discussion and reflection on the concepts presented.

Applied Lending Techniques

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Author :
Publisher : Global Professional Publishi
ISBN 13 : 9780852975374
Total Pages : 258 pages
Book Rating : 4.9/5 (753 download)

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Book Synopsis Applied Lending Techniques by : C. Nicholas Rouse

Download or read book Applied Lending Techniques written by C. Nicholas Rouse and published by Global Professional Publishi. This book was released on 1999 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: '?Combines theory with the author?'s experience?Unlike so many concentrates on practice not theory This is a unique evaluation of lending theory based on solid experience. The book stands back from the accepted day-to-day practice of corporate and personal departments and draws on the extensive experience of the author, revealing the benefits of evaluating each case on its own merits. It adopts a practical ?lessons learned? approach.

Emerging Market Bank Lending and Credit Risk Control

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Author :
Publisher : Academic Press
ISBN 13 : 0128034475
Total Pages : 738 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 738 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

Loan Sharks

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Publisher :
ISBN 13 : 9780815734321
Total Pages : 0 pages
Book Rating : 4.7/5 (343 download)

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Book Synopsis Loan Sharks by : Charles R. Geisst

Download or read book Loan Sharks written by Charles R. Geisst and published by . This book was released on 2017-04-04 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Introduction to Mortgages and Mortgage Backed Securities

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Publisher : Academic Press
ISBN 13 : 0124045936
Total Pages : 256 pages
Book Rating : 4.1/5 (24 download)

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Book Synopsis Introduction to Mortgages and Mortgage Backed Securities by : Richard K. Green

Download or read book Introduction to Mortgages and Mortgage Backed Securities written by Richard K. Green and published by Academic Press. This book was released on 2013-11-21 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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

Successful Lender's Field Guide

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Publisher :
ISBN 13 : 9780997910902
Total Pages : pages
Book Rating : 4.9/5 (19 download)

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Book Synopsis Successful Lender's Field Guide by : Chris Nichols

Download or read book Successful Lender's Field Guide written by Chris Nichols and published by . This book was released on 2016-08-01 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This Field Guide targets commercial lenders and business development officers seeking innovative lending and marketing techniques, with the intent on maximizing value for both bank and borrower.

Managing a Consumer Lending Business

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Publisher :
ISBN 13 : 0971753717
Total Pages : pages
Book Rating : 4.9/5 (717 download)

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Book Synopsis Managing a Consumer Lending Business by : David Lawrence

Download or read book Managing a Consumer Lending Business written by David Lawrence and published by . This book was released on 2012-03-16 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Advanced Credit Risk Analysis and Management

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Publisher : John Wiley & Sons
ISBN 13 : 111860489X
Total Pages : 454 pages
Book Rating : 4.1/5 (186 download)

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Book Synopsis Advanced Credit Risk Analysis and Management by : Ciby Joseph

Download or read book Advanced Credit Risk Analysis and Management written by Ciby Joseph and published by John Wiley & Sons. This book was released on 2013-04-22 with total page 454 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Syndicated Lending

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Publisher : Euromoney Publications
ISBN 13 : 9781843745761
Total Pages : 684 pages
Book Rating : 4.7/5 (457 download)

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Book Synopsis Syndicated Lending by : Tony Rhodes

Download or read book Syndicated Lending written by Tony Rhodes and published by Euromoney Publications. This book was released on 2009 with total page 684 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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

Private Lending in China

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Publisher : Routledge
ISBN 13 : 0429823908
Total Pages : 182 pages
Book Rating : 4.4/5 (298 download)

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Book Synopsis Private Lending in China by : Lerong Lu

Download or read book Private Lending in China written by Lerong Lu and published by Routledge. This book was released on 2018-12-07 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores China’s private lending market from historical, economic, legal, and regulatory perspectives. Private lending refers to moneylending agreements between business borrowers and their debt investors without the involvement of banks. In China, it remains difficult for private entrepreneurs to obtain sufficient loans from state-owned banks. Thus, private lending has been a vital alternative financing channel for over 80 million businesses which are reliant on private funds as their major source of operating capital. The market volume of private financing stands at 5 trillion yuan ($783bn), making it one of the largest shadow banking systems in the world. Despite the wide popularity and systemic importance of private lending activities, they have remained outside of the official regulatory framework, leading to extra financial risks. In 2011, China’s private lending sector encountered a severe financial crisis, as thousands of business borrowers failed to repay debts and fell into bankruptcy. Lots of bosses who found it impossible to liquidate debts ran away to hide from creditors. The financial turmoil has caused substantial monetary losses for investors across the country, which triggered social unrest and undermined the financial stability. This book is a timely work intended to demystify China’s private lending market by investigating its historical development, operating mechanism, and special characteristics. It evaluates the causes and effects of the latest financial crisis by considering a number of real cases relating to helpless investors and runaway bosses. It conducts an in-depth doctrinal analysis of Chinese laws and regulations regarding private lending transactions. It also examines China’s ongoing financial reform to bring underground lending activities under official supervision. Finally, the book points out future development paths for the private lending market. It offers suggestions for global policymakers devising an effective regulatory framework for shadow banking. It appeals to researchers, lecturers, and students in several fields, including law, business, finance, political economy, public policy, and China study.

Consumer Financial Services Answer Book (2015 Edition)

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Publisher :
ISBN 13 : 9781402422614
Total Pages : 1222 pages
Book Rating : 4.4/5 (226 download)

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Book Synopsis Consumer Financial Services Answer Book (2015 Edition) by : Richard E. Gottlieb

Download or read book Consumer Financial Services Answer Book (2015 Edition) written by Richard E. Gottlieb and published by . This book was released on 2014 with total page 1222 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Consumer Lending

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Publisher :
ISBN 13 : 9780899826301
Total Pages : 448 pages
Book Rating : 4.8/5 (263 download)

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Book Synopsis Consumer Lending by : Richard E. Beck (Jr.)

Download or read book Consumer Lending written by Richard E. Beck (Jr.) and published by . This book was released on 2009 with total page 448 pages. Available in PDF, EPUB and Kindle. Book excerpt: