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Description
Bankers' Handbook on Credit Management is designed keeping in view the specific skill needs of banking professionals in handling the credit portfolio in a bank. Credit is an important business function and credit management is a dynamic subject. The book deals with the credit function of commercial banks covering various aspects such as credit appraisal, analysis of financial statements, interpretation of financial ratios, loan policy, working capital (fund and non-fund) analysis, project/term Loan analysis, credit monitoring, management of impaired assets, etc. Further the concepts and functions of credit management have been explained keeping the practical aspects in focus. Each unit in the book is important and efforts have been made to provide latest developments/ guidelines in the relevant fields to acquire the cutting edge knowledge by the reader. Though the book is meant as a courseware for the Institute's "Certified Credit Officer Course", it would be useful to all those who are interested in the credit portfolio function of a bank in the country.
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Contents
Module A Introduction & Overview Of Credit
Unit 1 : Principles of Lending
Unit 2 : Credit Policy
Unit 3 : Type of Borrowers & Types of Credit Facilities
Unit 4 : Credit Delivery
Unit 5 : Credit Appraisal
Unit 6 : Credit Rating
Unit 7 : Capital Adequacy
Unit 8 : Importance and Application of RAROC (Risk Adjusted Return on Capital)
Module B Analysis Of Financial Statements
Unit 9 : Analysis of Financial Statements
Unit 10 : Non Financial Risk Analysis and Macroeconomic Factors
Unit 11 : Project Appraisal/ Term Loan Appraisal
Unit 12 : Credit Risk Analytics and Credit Scoring Models
Module C Working Capital Management
Unit 13 : Working Capital Assessment
Unit 14 : Non-Fund Based-Credit Facilities
Module D Other Credits
Unit 15 : Export Finance
Unit 16 : Priority Sector Lending/Government Sponsored Schemes/NABARD Schemes
Unit 17 : Retail Loans
Unit 18 : Forward Exposure Limit and Pre-Settlement Risk
Unit 19 : Structured Finance Options
Unit 20 : Alternative Source of Funding
Unit 21 : Digital Finance - P2P Lending Via Fintech
Unit 22 : Green Finance
Module E Monitoring, Supervision/ Follow Up & Management Of Impaired Assets
Unit 23 : Documentation
Unit 24 : Types of Charges
Unit 25 : Follow up, Supervision & Credit Monitoring
Unit 26 : Management of Impaired Assets
Unit 27 : Fair Practices code on Lender's Liability
Unit 28 : Insolvency and Bankruptcy Code (IBC) , 2016
Unit 29 : Fraud Risk Management in Credit
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