Bankers Hand Book on Credit Management
Note : The book "Bankers Hand Book on Credit Management" contains 5 modules.
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.
| Chapter No | Chapter name |
|---|---|
| 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 |
| MODULE: B | ANALYSIS OF FINANCIAL STATEMENTS |
| Unit: 7 | Analysis of Financial Statements |
| Unit: 8 | Project Appraisal/Term Loan Appraisal |
| MODULE: C | WORKING CAPITAL MANAGEMENT |
| Unit: 9 | Working Capital Assessment |
| Unit: 10 | Quasi - Credit Facilities |
| MODULE: D | OTHER CREDITS |
| Unit: 11 | Export Finance |
| Unit: 12 | Priority Sector Lending/Government Sponsored Schemes |
| Unit: 13 | Retail Loans |
| MODULE: E | MONITORING, SUPERVISION/ FOLLOW UP & MANAGEMENT OF IMPAIRED ASSETS |
| Unit: 14 | Documentation |
| Unit: 15 | Types of Charges |
| Unit: 16 | Credit Monitoring, Supervision & Follow-Up |
| Unit: 17 | Management of Impaired Assets |
| Unit: 18 | Fair Practices code on Lender’s Liability |
| Appendix A-1 | Framework for Revitalising Distressed Assets |
| Appendix A-2 | Exposure Norms |
| Appendix A-3 | Guidelines on Guarantees and Co-acceptances |
| Appendix B | Examples & Problems |
| Appendix C | Glossary |
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