Overview

The book provides an overview of the Credit Management process outlining the various structures policies principles and procedures involved which gives students a bird's eye view of the whole process. The book also provides an outline of the tools and techniques lenders employ in the appraisal of Credit propositions. These tools include both qualitative tools such as environmental analysis and quantitative tools such as financial ratio analysis. The textbook also covers critical issues in credit risk management such as credit risk rating, capital management and portfolio risk management. Other important areas the book covers includes legal aspects of credit management and management of problem loans. Significantly, the Bank Credit Management Textbook features a number of chapters that focus on the appraisal of credit propositions, first in terms of the different kinds of credit facilities all types of businesses seek. These include working capital finance, asset finance, new ventures and finance for the purchase of an existing business. In addition the book also focuses on appraisal of credit in terms of the businesses according to the sector of the business. These include lending to agriculture and building construction. The book also covers lending to various types of personal customers such as individuals, clubs and societies, personal representatives of deceased customers and trustees, The book also features the different types of personal advances granted to individual customers such as personal loans, consumer loans, mortgage loans, overdraft facilities, revolving facilities and credit cards. An important feature in the book relates to post disbursement credit procedures such as loan documentation, security, monitoring credit collections and recoveries. One chapter focuses on foreign credit and banking services banks avail for their customers. The last chapter looks at alternative sources of finance available to customers when they are unable to access facilities from banks The book also features theoretical questions and outline solution that students may encounter in the examinations. In addition the book features examination type questions and provides an outline showing the right approach to dealing with these questions. The Credit Management textbook has been prepared primarily taking into consideration the syllabus for the Credit Management Paper under the Chartered Institute of Bankers professional examinations. The book would also prove useful for students undertaking undergraduate course in banking and finance at the University level.

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