Lending is one of the most important functions of any financial institution. If not managed properly, it can lead to credit quality
problems, threatening the existence of the financial institution. To
manage the lending function properly and mitigate credit quality
problems, bank loan officers should be adequately trained in risk
No single textbook has previously covered credit
risk analysis and lending management in a comprehensive and complete
'Credit Analysis and Lending Management, Fourth Edition' is a
comprehensive and complete textbook on credit risk management.
This updated Fourth Edition of Credit Analysis and Lending Management, is divided into seven parts, containing 16 chapters and 5 case studies.
- Parts I & II present a framework for assessing and managing credit risk.
- Parts III & IV include chapters that deal with special types of lending: consumer lending, corporate lending, small business lending and international lending.
- Part V details credit risk management and measurement techniques, and problem loan management.
- Part VI then looks
at other forms of finance, and
- Part VII contains case studies.
Throughout this text, learning objectives are clearly indicated at the beginning of each chapter, and the chapter content then directly addresses these objectives. Additionally, new concepts are developed in a
brick-by-brick manner and are then supplemented by clear and useful examples.
This fourth edition has been fully revised to address issues from the global financial crisis (GFC). It also contains new chapters on micro-finance, agricultural, and quantitative finance.
Milind Sathye is Professor of Banking and Finance and Head: Accounting, Banking and Finance Discipline at the University of Canberra. His research focus is on efficiency and productivity, AMLCTF, e-banking and microfinance. He has published in top ranking journals such as the Journal of Banking and Finance, European Journal of Operational Research and Journal of the Operational Research Society, and currently holds two competitive external grants as a lead researcher. Professor Sathye is a Fellow of CPA Australia and FINSIA. Australian Senate Economic committees sought his expertise on many occasions, and recommendations made by him are included in their final reports. He has also worked as expert witness for court cases on banking and finance issues.
James Bartle is Adjunct Lecturer at the University of New South Wales and heads a consulting company that focuses on credit and treasury risk management. James has over twenty years’ experience in the finance industry and has worked in various credit and treasury positions in the Commonwealth Bank of Australia, KPMG Management Consultants, and Bancorp Australia. He also spent several years teaching full time. James’s consulting experience has given him exposure to Australian banks, government and corporates. His research interests cover innovative methods of risk measurement, such as value at risk and CreditMetrics, as well as the advent of credit derivatives.