Description
Taxmann Bankers' Handbook on Credit Management by Indian Institute of Banking & Finance
The 'Bankers' Handbook on Credit Management' is developed to address the unique skill requirements of banking professionals in managing credit portfolios. This book offers insights into the credit function, supplemented by practical examples, a rundown of regulatory guidelines, etc.
The focus areas of this handbook revolve around the credit operations of commercial banks and delve into:
An Introduction to and Overview of Credit
Analysis of Financial Statement
Working Capital Management
Other Credits
Monitoring, Supervision/Follow-up, and Management of Impaired Assets
Emphasis is placed on real-world applications of credit management concepts and functions. To ensure the reader is well-equipped with the latest knowledge, this book incorporates the recent developments and guidelines in the field.
This book is not only the recommended courseware for the IIBF's 'Certified Credit Professional Course', recognized by the Reserve Bank of India & Indian Banks Association for enhancing the skills of banking professionals, but also an invaluable asset for anyone intrigued by the nuances of bank credit functions within India.
The Present Publication is the 3rd Edition, updated by P.D. Sankaranarayanan (Former Assistant General Manager – State Bank of India) and vetted by D. Srinivasan (Former Deputy General Manager & Faculty | Training College – Indian Bank). Taxmann exclusively publishes this book for IIBF with the following coverage:
Module A – Introduction & Overview of Credit
Principles of Lending
Credit Policy
Types of Borrowers & Types of Credit Facilities
Credit Delivery
Credit Appraisal
Credit Rating
Capital Adequacy (Credit Risk – Standardized Approach & Advanced Approached)
Probability of Default
Exposure at Default
Loss Given Default
Importance & Application of RAROC (Risk Adjusted Return on Capital)
Module B – Analysis of Financial Statements
Analysis of Financial Statements
Non-financial Risk Analysis & Macroeconomic Factors
Project Appraisal/Term Loan Appraisal
Credit Risk Analytics & Credit Scoring Models
Module C – Working Capital Management
Working Capital Assessment (including Factoring, Bill Financing, etc., as Sub-limits)
Non-Fund-Based Credit Facilities
Module D – Other Credits
Export Finance
Priority Sector Lending/Government Sponsored Schemes/NABARD Schemes
Retail Loans
Forward Exposure Limit & Pre-settlement Risk
Structured Finance Options
Alternative Source of Funding
Digital Finance-P2P Lending via FinTech
Green Finance
Module E – Monitoring, Supervision/Follow-Up & Management of Impaired Assets
Documentation
Types of Charges
Follow-Up, Supervision & Credit Monitoring
Periodic Scrutiny of Exception Reports
AI/ML Based Analytics Tools to Analyze the Transaction to Predict 'Likely to Default'
Resolution of Stressed Assets
Fair Practices Code on Lender's Liability
Insolvency & Bankruptcy Code (IBC), 2016 [including all Amendments & Top Five Judgements]
Fraud Risk Management in Credit
Early Warning Signals [Annexure 16/3 of Current Book]
Red Flagging of Accounts
Identification & Reporting of Fraud
Forensic Audit
Wilful Defaulters
Non-cooperative Borrowers
Fugitive Economic Offender
Look Out Circular
Criminal Offenses and Investigative Agencies