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Author : C. Nicholas Rouse Publisher : Global Professional Publishi Page : 312 pages File Size : 44,7 Mb Release : 2002 Category : Business & Economics ISBN : 0852975872
Bankers' Lending Techniques by C. Nicholas Rouse Pdf
'?New, expanded edition of a popular title?Now covers new techniques of lending assessmentThe new edition of this popular title has been expanded to twice the length of the previous edition, which reflects the widening of the book?'s scope to cover the impact of new techniques of lending assessment as well as legal issues concerning lending to corporates and private individuals. It features whole new chapters on acquisition finance, franchising, factoring, and control of a lending portfolio. It also offers a perspective on the increased use of technology against traditional lending techniques.
Bankers' Lending Techniques by C. Nicholas Rouse,Nick Rouse Pdf
This popular, best-selling title, used by many banks for training their staff, covers the international aspects of lending and for that reason the text has now been globalised to ensure it is appropriate for all students. This third, fully up-dated edition covers the impact of the latest technology for lending assessment as well as legal issues concerning lending to corporate organisations, and also to private individuals. It features chapters on acquisition finance, franchising, factoring, a new section on project finance plus the control of a lending portfolio and the increased use of new technology. Some highly topical areas have been expanded. Sovereign risk has been incorporated and the whole area of rating agencies has been updated to include the difference between the ratings and the primary need of the banker, i.e. the Probability of Default. Finally there is now greater emphasis on the analysis of cash flow and the switch by lenders from the analysis of profitability and the need to produce and use cash flow projections. "This new and expanded edition provides the definitive reference book on lending for those in the banking industry. Its clear and accessible style makes it equally useful for the seasoned practitioner and for those training for the future. Nick's extensive practical and theoretical experience makes this a book that clarifies and educates, and which will be as useful in these times not only for bankers, but also for the non-banker seeking to understand what their bank is trying to achieve and why." Andy Bainbridge Head of Credit Risk (Western Hemisphere), Standard Chartered Bank
Author : C. Nicholas Rouse Publisher : Chartered Institute of Bankers Page : 168 pages File Size : 43,5 Mb Release : 1989 Category : Bank loans ISBN : 0852972288
Author : C. Nicholas Rouse Publisher : Global Professional Publishi Page : 258 pages File Size : 47,7 Mb Release : 1999 Category : Business & Economics ISBN : 0852975376
Applied Lending Techniques by C. Nicholas Rouse Pdf
'?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.
Analytical Techniques in the Assessment of Credit Risk by Michalis Doumpos,Christos Lemonakis,Dimitrios Niklis,Constantin Zopounidis Pdf
This book provides a unique, focused introduction to the analytical skills, methods and techniques in the assessment of credit risk that are necessary to tackle and analyze complex credit problems. It employs models and techniques from operations research and management science to investigate more closely risk models for applications within the banking industry and in financial markets. Furthermore, the book presents the advances and trends in model development and validation for credit scoring/rating, the recent regulatory requirements and the current best practices. Using examples and fully worked case applications, the book is a valuable resource for advanced courses in financial risk management, but also helpful to researchers and professionals working in financial and business analytics, financial modeling, credit risk analysis, and decision science.
Credit Engineering for Bankers by Morton Glantz,Johnathan Mun Pdf
More efficient credit portfolio engineering can increase the decision-making power of bankers and boost the market value of their banks. By implementing robust risk management procedures, bankers can develop comprehensive views of obligors by integrating fundamental and market data into a portfolio framework that treats all instruments similarly. Banks that can implement strategies for uncovering credit risk investments with the highest return per unit of risk can confidently build their businesses. Through chapters on fundamental analysis and credit administration, authors Morton Glantz and Johnathan Mun teach readers how to improve their credit skills and develop logical decision-making processes. As readers acquire new abilities to calculate risks and evaluate portfolios, they learn how credit risk strategies and policies can affect and be affected by credit ratings and global exposure tracking systems. The result is a book that facilitates the discipline of market-oriented portfolio management in the face of unending changes in the financial industry. Concentrates on the practical implementation of credit engineering strategies and tools Demonstrates how bankers can use portfolio analytics to increase their insights about different groups of obligors Investigates ways to improve a portfolio’s return on risk while minimizing probability of insolvency
Applied Lending Techniques by Nick Rouse,Colin Watson Pdf
So many books that deal with lending and credit risk concentrate on a theoretical approach and are based on common procedures in place in many institutions. The unique quality of Applied Lending Techniques is that it applies those theories to practical examples. It stands back from the day-to-day practice of personal and corporate lending departments and draws on the extensive personal experience of practitioners and reveals the benefits of evaluating each case on its own merits as well as how to learn from mistakes. Lending is a practical subject which on the one hand requires the banker to have a good theoretical knowledge and on the other to be "streetwise" in using it.
Utilization of Soft Information on Bank Performance by Tadanori Yosano,Takayoshi Nakaoka Pdf
This book explores the effects of soft information utilization in the decision process for lenders, especially concerning small and medium-sized enterprises (SMEs) in regional markets. This study is one of the first to use questionnaire survey data from lender representatives, and analyzes the relationship between the financial metrics of a lender's performance and soft information factors in inter-bank competition. The authors' empirical results suggest that utilizing soft information allows banks to attain a more precise lending decision. The Financial Services Agency in Japan introduced an action program in 2003 that requires regional banks to shift from transaction banking to relationship lending. Against that background, this book examines the influence of relationship lending on a lender's performance. This study found that relationship lending allows lenders to charge a higher premium to counteract the high risk involved with SMEs. The book also examines how relationship lending affects lending performance in inter-bank competition. The conclusion is that, even though inter-bank competition has negative effects, a bank in a competitive local market can acquire an informational advantage to limit its own loss. This book categorizes three soft information factors: organizational systems, networks or alliances/partnerships, and business/management leadership based on survey data. The authors' findings suggest that information production, especially network and business/leadership information, plays an essential role in promoting a bank's profitability. These effects are strong even when banks face high inter-bank competition. Relationship lending not only improves bankers' lending techniques, but also fosters and enhances their community knowledge and enables them to survive in a highly competitive market.
Credit Risk Measurement by Anthony Saunders,Linda Allen Pdf
The most cutting-edge read on the pricing, modeling, and management of credit risk available The rise of credit risk measurement and the credit derivatives market started in the early 1990s and has grown ever since. For many professionals, understanding credit risk measurement as a discipline is now more important than ever. Credit Risk Measurement, Second Edition has been fully revised to reflect the latest thinking on credit risk measurement and to provide credit risk professionals with a solid understanding of the alternative approaches to credit risk measurement. This readable guide discusses the latest pricing, modeling, and management techniques available for dealing with credit risk. New chapters highlight the latest generation of credit risk measurement models, including a popular class known as intensity-based models. Credit Risk Measurement, Second Edition also analyzes significant changes in banking regulations that are impacting credit risk measurement at financial institutions. With fresh insights and updated information on the world of credit risk measurement, this book is a must-read reference for all credit risk professionals. Anthony Saunders (New York, NY) is the John M. Schiff Professor of Finance and Chair of the Department of Finance at the Stern School of Business at New York University. He holds positions on the Board of Academic Consultants of the Federal Reserve Board of Governors as well as the Council of Research Advisors for the Federal National Mortgage Association. He is the editor of the Journal of Banking and Finance and the Journal of Financial Markets, Instruments and Institutions. Linda Allen (New York, NY) is Professor of Finance at Baruch College and Adjunct Professor of Finance at the Stern School of Business at New York University. She also is author of Capital Markets and Institutions: A Global View (Wiley: 0471130494). Over the years, financial professionals around the world have looked to the Wiley Finance series and its wide array of bestselling books for the knowledge, insights, and techniques that are essential to success in financial markets. As the pace of change in financial markets and instruments quickens, Wiley Finance continues to respond. With critically acclaimed books by leading thinkers on value investing, risk management, asset allocation, and many other critical subjects, the Wiley Finance series provides the financial community with information they want. Written to provide professionals and individuals with the most current thinking from the best minds in the industry, it is no wonder that the Wiley Finance series is the first and last stop for financial professionals looking to increase their financial expertise.
Author : John B. Caouette,Edward I. Altman,Paul Narayanan Publisher : John Wiley & Sons Page : 476 pages File Size : 45,6 Mb Release : 1998-11-03 Category : Business & Economics ISBN : 0471111899
Managing Credit Risk by John B. Caouette,Edward I. Altman,Paul Narayanan Pdf
The first full analysis of the latest advances in managing credit risk. "Against a backdrop of radical industry evolution, the authors of Managing Credit Risk: The Next Great Financial Challenge provide a concise and practical overview of these dramatic market and technical developments in a book which is destined to become a standard reference in the field." -Thomas C. Wilson, Partner, McKinsey & Company, Inc. "Managing Credit Risk is an outstanding intellectual achievement. The authors have provided investors a comprehensive view of the state of credit analysis at the end of the millennium." -Martin S. Fridson, Financial Analysts Journal. "This book provides a comprehensive review of credit risk management that should be compulsory reading for not only those who are responsible for such risk but also for financial analysts and investors. An important addition to a significant but neglected subject." -B.J. Ranson, Senior Vice-President, Portfolio Management, Bank of Montreal. The phenomenal growth of the credit markets has spawned a powerful array of new instruments for managing credit risk, but until now there has been no single source of information and commentary on them. In Managing Credit Risk, three highly regarded professionals in the field have-for the first time-gathered state-of-the-art information on the tools, techniques, and vehicles available today for managing credit risk. Throughout the book they emphasize the actual practice of managing credit risk, and draw on the experience of leading experts who have successfully implemented credit risk solutions. Starting with a lucid analysis of recent sweeping changes in the U.S. and global financial markets, this comprehensive resource documents the credit explosion and its remarkable opportunities-as well as its potentially devastating dangers. Analyzing the problems that have occurred during its growth period-S&L failures, business failures, bond and loan defaults, derivatives debacles-and the solutions that have enabled the credit market to continue expanding, Managing Credit Risk examines the major players and institutional settings for credit risk, including banks, insurance companies, pension funds, exchanges, clearinghouses, and rating agencies. By carefully delineating the different perspectives of each of these groups with respect to credit risk, this unique resource offers a comprehensive guide to the rapidly changing marketplace for credit products. Managing Credit Risk describes all the major credit risk management tools with regard to their strengths and weaknesses, their fitness to specific financial situations, and their effectiveness. The instruments covered in each of these detailed sections include: credit risk models based on accounting data and market values; models based on stock price; consumer finance models; models for small business; models for real estate, emerging market corporations, and financial institutions; country risk models; and more. There is an important analysis of default results on corporate bonds and loans, and credit rating migration. In all cases, the authors emphasize that success will go to those firms that employ the right tools and create the right kind of risk culture within their organizations. A strong concluding chapter integrates emerging trends in the financial markets with the new methods in the context of the overall credit environment. Concise, authoritative, and lucidly written, Managing Credit Risk is essential reading for bankers, regulators, and financial market professionals who face the great new challenges-and promising rewards-of credit risk management.
Credit Risk Analytics by Bart Baesens,Daniel Roesch,Harald Scheule Pdf
The long-awaited, comprehensive guide to practical credit risk modeling Credit Risk Analytics provides a targeted training guide for risk managers looking to efficiently build or validate in-house models for credit risk management. Combining theory with practice, this book walks you through the fundamentals of credit risk management and shows you how to implement these concepts using the SAS credit risk management program, with helpful code provided. Coverage includes data analysis and preprocessing, credit scoring; PD and LGD estimation and forecasting, low default portfolios, correlation modeling and estimation, validation, implementation of prudential regulation, stress testing of existing modeling concepts, and more, to provide a one-stop tutorial and reference for credit risk analytics. The companion website offers examples of both real and simulated credit portfolio data to help you more easily implement the concepts discussed, and the expert author team provides practical insight on this real-world intersection of finance, statistics, and analytics. SAS is the preferred software for credit risk modeling due to its functionality and ability to process large amounts of data. This book shows you how to exploit the capabilities of this high-powered package to create clean, accurate credit risk management models. Understand the general concepts of credit risk management Validate and stress-test existing models Access working examples based on both real and simulated data Learn useful code for implementing and validating models in SAS Despite the high demand for in-house models, there is little comprehensive training available; practitioners are left to comb through piece-meal resources, executive training courses, and consultancies to cobble together the information they need. This book ends the search by providing a comprehensive, focused resource backed by expert guidance. Credit Risk Analytics is the reference every risk manager needs to streamline the modeling process.
Successful Lender's Field Guide by Chris Nichols,Ed Kofman,Richard Russo Pdf
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.
Credit Risk Management In and Out of the Financial Crisis by Anthony Saunders,Linda Allen Pdf
A classic book on credit risk management is updated to reflect the current economic crisis Credit Risk Management In and Out of the Financial Crisis dissects the 2007-2008 credit crisis and provides solutions for professionals looking to better manage risk through modeling and new technology. This book is a complete update to Credit Risk Measurement: New Approaches to Value at Risk and Other Paradigms, reflecting events stemming from the recent credit crisis. Authors Anthony Saunders and Linda Allen address everything from the implications of new regulations to how the new rules will change everyday activity in the finance industry. They also provide techniques for modeling-credit scoring, structural, and reduced form models-while offering sound advice for stress testing credit risk models and when to accept or reject loans. Breaks down the latest credit risk measurement and modeling techniques and simplifies many of the technical and analytical details surrounding them Concentrates on the underlying economics to objectively evaluate new models Includes new chapters on how to prevent another crisis from occurring Understanding credit risk measurement is now more important than ever. Credit Risk Management In and Out of the Financial Crisis will solidify your knowledge of this dynamic discipline.
