About Product
Bankers’ Handbook on Credit Management is designed keeping in view the specific skill needs of banking professionals in handing the credit portfolio in a bank. An overview of credit function along-with worked out examples on various issues, summary of regulatory guidelines and a glossary makes the book wholesome. It specifically deals with the credit functions of commercial banks covering various aspects such as: · Credit Appraisal · Analysis of Financial Statements · Interpretation of Financial Ratios · Loan Policy · Working Capital Analysis (Fund & Non-Fund) · Project/Term Loan Analysis · Credit Monitoring · Management of Impaired Assets 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 mode to provide latest developments/guidelines in the relevant fields to acquire the cutting-edge knowledge by the reader. This book also features summaries, key words, test & answers at the end of each chapter. This book is meant as courseware for IIBF’s ‘Certified Credit Professional Course’, which is identified by Reserve Bank of India & Indian Banks Association under the capacity building exercise of banks. It would also be useful to all those who are interested in the credit portfolio function of a bank in the country. The Present Publication is the 2nd Edition (2018), published exclusively by Taxmann for Indian Institute of Banking and Finance. The contents of the book are as follows: · Module A – Introduction & Overview of Credit o Principles of Lending o Credit Policy o Types of Borrowers & Types of Credit Facilities o Credit Delivery o Credit Appraisal o Credit Rating · Module B – Analysis of Financial Statements o Analysis of Financial Statements o Project Appraisal/Term Loan Appraisal · Module C – Working Capital Management o Working Capital Assessment o Non-Fund Based Credit Facilities · Module D – Other Credits o Export Finance o Priority Sector Lending/Government Sponsored Schemes/NABARD Schemes o Retail Loans · Module E – Monitoring, Supervision/Follow-Up & Management of Impaired Assets o Documentation o Types of Charges o Follow-Up, Supervision & Credit Monitoring o Management of Impaired Assets o Fair Practices Code on Lender’s Liability o Exposure Norms o Examples & Problems o Glossary
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