Lending

Author : Adrian Cudby
Publisher : Kogan Page Publishers
Page : 353 pages
File Size : 43,6 Mb
Release : 2018-10-03
Category : Business & Economics
ISBN : 9780749482787

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Commercial Lending by Adrian Cudby Pdf

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.

Author : Daphne Palasi Andreades
Publisher : Random House
Page : 257 pages
File Size : 55,8 Mb
Release : 2022-01-04
Category : Fiction
ISBN : 9780593243435

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Brown Girls by Daphne Palasi Andreades Pdf

NEW YORK TIMES EDITORS’ CHOICE • A “boisterous and infectious debut novel” (The Guardian) about a group of friends and their immigrant families from Queens, New York—a tenderly observed, fiercely poetic love letter to a modern generation of brown girls. “An acute study of those tender moments of becoming, this is an ode to girlhood, inheritance, and the good trouble the body yields.”—Raven Leilani, author of Luster FINALIST: The New American Voices Award, The Carol Shields Prize for Fiction, The VCU Cabell First Novelist Award, The New American Voices Award, The Center for Fiction First Novel Prize ONE OF THE BEST BOOKS OF THE YEAR: PopSugar, Kirkus Reviews If you really want to know, we are the color of 7-Eleven root beer. The color of sand at Rockaway Beach when it blisters the bottoms of our feet. Color of soil . . . Welcome to Queens, New York, where streets echo with languages from all over the globe, subways rumble above dollar stores, trees bloom and topple over sidewalks, and the funky scent of the Atlantic Ocean wafts in from Rockaway Beach. Within one of New York City’s most vibrant and eclectic boroughs, young women of color like Nadira, Gabby, Naz, Trish, Angelique, and countless others, attempt to reconcile their immigrant backgrounds with the American culture in which they come of age. Here, they become friends for life—or so they vow. Exuberant and wild, together they roam The City That Never Sleeps, sing Mariah Carey at the tops of their lungs, yearn for crushes who pay them no mind—and break the hearts of those who do—all while trying to heed their mothers’ commands to be obedient daughters. But as they age, their paths diverge and rifts form between them, as some choose to remain on familiar streets, while others find themselves ascending in the world, beckoned by existences foreign and seemingly at odds with their humble roots. A blazingly original debut novel told by a chorus of unforgettable voices, Brown Girls illustrates a collective portrait of childhood, adulthood, and beyond, and is a striking exploration of female friendship, a powerful depiction of women of color attempting to forge their place in the world today. For even as the conflicting desires of ambition and loyalty, freedom and commitment, adventure and stability risk dividing them, it is to one another—and to Queens—that the girls ultimately return.

Author : Anonim
Publisher : Unknown
Page : 506 pages
File Size : 46,5 Mb
Release : 1999
Category : Asset-backed financing
ISBN : IND:30000070130806

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Asset-based Financing by Anonim Pdf

Author : Preston Gralla
Publisher : "O'Reilly Media, Inc."
Page : 497 pages
File Size : 47,7 Mb
Release : 2013-02-15
Category : Computers
ISBN : 9781449359539

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NOOK HD: The Missing Manual by Preston Gralla Pdf

Now that you have a new NOOK HD Tablet, all you need is the know-how to take full advantage of its features. With this book, technology expert Preston Gralla provides clear instructions, full-color illustrations, and savvy advice to help you get up to speed on the new video and family-friendly features, as well as manage WiFi access, web browsing, email, and apps. Make the most out of your sleek device with the best NOOK guide you’ll find anywhere. The important stuff you need to know: Relax with a book. Load your NOOK library with ebooks, comics, and interactive books for kids. Play with apps. Enjoy the games and apps everyone’s talking about. Go online. Browse the Web and check your email with built-in WiFi. Spread the word. Share books and recommendations with your NOOK Friends and Facebook and Twitter contacts. Take in a show. Watch movies and TV series, and listen to your favorite music anywhere. Read all about it. Subscribe to a variety of magazines and newspapers.

Author : Clark R. Abrahams,Mingyuan Zhang
Publisher : John Wiley & Sons
Page : 356 pages
File Size : 49,9 Mb
Release : 2008-03-14
Category : Business & Economics
ISBN : 0470241896

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Fair Lending Compliance by Clark R. Abrahams,Mingyuan Zhang Pdf

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

Author : Frank J. Fabozzi,Steven V. Mann
Publisher : John Wiley & Sons
Page : 372 pages
File Size : 47,8 Mb
Release : 2005-08-08
Category : Business & Economics
ISBN : 9780471678915

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Securities Finance by Frank J. Fabozzi,Steven V. Mann Pdf

In Securities Finance, editors Frank Fabozzi and Steven Mann assemble a group of prominent practitioners in the securities finance industry to provide readers with an enhanced understanding of the various arrangements in the securities finance market. Divided into three comprehensive parts—Securities Lending, Bond Financing via the Repo Market, and Equity Financing Alternatives to Securities Lending—this book covers a wide range of securities finance issues, including alternative routes to the securities lending market, evaluating risks in securities lending transactions, U.S. and European repo markets, dollar rolls and their impact on MBS valuation and strategies, derivatives for financing equity positions and equity repos, and more. Filled with in-depth insight and expert advice, Securities Finance contains the information readers need to succeed in this rapidly expanding market.

Author : Allegra Hyde
Publisher : Vintage
Page : 320 pages
File Size : 54,8 Mb
Release : 2022-03-08
Category : Fiction
ISBN : 9780593315255

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Eleutheria by Allegra Hyde Pdf

“Allegra Hyde’s seductive first novel tackles the big stuff of climate change and the more intimate matter of heartbreak with grace. Indeed, Eleutheria bravely braids these together, the story of a lost soul moving through the world we’re rapidly losing.” —Rumaan Alam, author of Leave the World Behind Willa Marks has spent her whole life choosing hope. She chooses hope over her parents’ paranoid conspiracy theories, over her dead-end job, over the rising ocean levels. And when she meets Sylvia Gill, renowned Harvard professor, she feels she’s found the justification of that hope. Sylvia is the woman-in-black: the only person smart and sharp enough to compel the world to action. But when Sylvia betrays her, Willa fears she has lost hope forever. And then she finds a book in Sylvia's library: a guide to fighting climate change called Living the Solution. Inspired by its message and with nothing to lose, Willa flies to the island of Eleutheria in the Bahamas to join the author and his group of ecowarriors at Camp Hope. Upon arrival, things are not what she expected. The group’s leader, author Roy Adams, is missing, and the compound’s public launch is delayed. With time running out, Willa will stop at nothing to realize Camp Hope's mission—but at what cost? A VINTAGE ORIGINAL

Author : Stephen L. Ross,John Yinger
Publisher : MIT Press
Page : 488 pages
File Size : 42,7 Mb
Release : 2002-11-08
Category : Business & Economics
ISBN : 0262264331

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The Color of Credit by Stephen L. Ross,John Yinger Pdf

An analysis of current findings on mortgage-lending discrimination and suggestions for new procedures to improve its detection. In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity. In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied to discrimination in loan-pricing and credit-scoring.

Author : Ivana Bartoletti,Anne Leslie,Shân M. Millie
Publisher : John Wiley & Sons
Page : 782 pages
File Size : 46,9 Mb
Release : 2020-04-09
Category : Business & Economics
ISBN : 9781119551928

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The AI Book by Ivana Bartoletti,Anne Leslie,Shân M. Millie Pdf

Written by prominent thought leaders in the global fintech space, The AI Book aggregates diverse expertise into a single, informative volume and explains what artifical intelligence really means and how it can be used across financial services today. Key industry developments are explained in detail, and critical insights from cutting-edge practitioners offer first-hand information and lessons learned. Coverage includes: · Understanding the AI Portfolio: from machine learning to chatbots, to natural language processing (NLP); a deep dive into the Machine Intelligence Landscape; essentials on core technologies, rethinking enterprise, rethinking industries, rethinking humans; quantum computing and next-generation AI · AI experimentation and embedded usage, and the change in business model, value proposition, organisation, customer and co-worker experiences in today’s Financial Services Industry · The future state of financial services and capital markets – what’s next for the real-world implementation of AITech? · The innovating customer – users are not waiting for the financial services industry to work out how AI can re-shape their sector, profitability and competitiveness · Boardroom issues created and magnified by AI trends, including conduct, regulation & oversight in an algo-driven world, cybersecurity, diversity & inclusion, data privacy, the ‘unbundled corporation’ & the future of work, social responsibility, sustainability, and the new leadership imperatives · Ethical considerations of deploying Al solutions and why explainable Al is so important

Author : Peter S. Clarke
Publisher : Kevin Lee
Page : 128 pages
File Size : 49,9 Mb
Release : 2017-11-15
Category : Business & Economics
ISBN : 8210379456XXX

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Asset-Based Lending by Peter S. Clarke Pdf

This new, third edition, has added many updates regarding critical asset-based collateral subjects and issues, including regulatory Uniform Commercial Code (UCC) changes and more. Asset-based lending, or the extension of credit against company's balance sheet assets on a collateral margin basis, is a rapidly growing field in the lending arena - thanks to better controls and understanding as well as the intensification of non-bank competition in the field. Asset-Based Lending defines lending controls and policies, assessing collateral and borrower quality, loan pricing, collateral monitoring and much more, including: - Cash collateral accounts, commingling funds and controlling payments and advances - Completing notes, security agreements and other documents - Accounts receivable and inventory lending - Chattel paper, notes, machinery and equipment - Direct and third party leasing - Collateral field examinations - Factoring

Author : Naomi R. Lamoreaux
Publisher : Cambridge University Press
Page : 196 pages
File Size : 45,9 Mb
Release : 1996-08-28
Category : Business & Economics
ISBN : 052156624X

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Insider Lending by Naomi R. Lamoreaux Pdf

This book, first published in 1994, explores the important role that insider lending played in the economic development of early nineteenth-century New England.

Author : Kiriakoula Hatzikiriakos
Publisher : Unknown
Page : 530 pages
File Size : 48,6 Mb
Release : 2017-09
Category : Computer software
ISBN : 0433474092

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Secured Lending in Intellectual Property by Kiriakoula Hatzikiriakos Pdf

"Secured financing in intellectual property is a rapidly evolving area of the law as intellectual property becomes the core asset in many industries. Secured Lending in Intellectual Property, 2nd Edition serves as a guide to best practices in this financing segment by examining the commercial and legal context of intellectual property in commercial transactions as well as financing vehicles and procedures, and the associated commercial and legal risks. The scope of this new edition has been significantly expanded and revised to cover all types of intellectual property, including copyright, patents, trademarks, trade secrets and domain names...The scope of this second edition has been significantly expanded and revised to include the extensive number of decisions that have been released since 2006 as well as a more comprehensive review of the 2009 amendments to the Bankruptcy and Insolvency Act and the Companies' Creditors Arrangement Act that relate to intellectual property."-- Résumé de l'éditeur.

Author : Janis Sarra,Cheryl L. Wade
Publisher : Cambridge University Press
Page : 329 pages
File Size : 48,9 Mb
Release : 2020-07-09
Category : Law
ISBN : 9781108496063

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Predatory Lending and the Destruction of the African-American Dream by Janis Sarra,Cheryl L. Wade Pdf

Examines predatory practices in mortgage markets to provide invaluable insight into the racial wealth gap between black and white Americans.

Author : Frank Tian
Publisher : Unknown
Page : 274 pages
File Size : 51,8 Mb
Release : 2021-03-20
Category : Electronic
ISBN : 1777592704

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Unsecured Lending Risk Management by Frank Tian Pdf

Unsecured Lending Risk Management provides a comprehensive introduction that will help readers quickly establish a holistic view of the risk management practices in this traditional, yet quickly evolving industry of unsecured lending. In this easy-to-follow guide, all behind-the-scenes risk management decisions and best practices are revealed.

Author : Jeff Levin
Publisher : Private Lending Publications
Page : 130 pages
File Size : 48,5 Mb
Release : 2018-10-05
Category : Electronic
ISBN : 0999423002

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The Insider's Guide to Private Lending by Jeff Levin Pdf

Private lending is an exciting opportunity for anyone looking for ways to put capital to work in real estate without lifting a hammer, showing a house, or fixing a toilet. Benefit from Jeff