Commercial Lending

Edition: 1 Date: 03/10/2018 Price: £39.99 ISBN Paperback: 9780749482770 ISBN Ebook: 9780749482787 Pages: 352 Format (mm): 235x157 Product Category: Textbook Subject: Banking « Supports the Chartered Banker Institute’s Commercial Lending module requirements and helps to prepare for assessment « Is written by a banking sector expert with cutting-edge industry perspective, ideal to support students of banking at undergraduate and postgraduate level « Aids work-based learning and professional development with a highly practical and applied approach, bringing learning to life with activities to carry out in the workplace as well as case studies, further reading recommendations and definitions of key terms throughout « Offers additional numeracy support to help readers with practical lending work, such as assessing balance sheets and understanding financial reports and documents « Offers thought leadership on commercial lending from an expert author with over 30 years of experience in the sector, endorsed by the Chartered Banker Institute « Online resources: includes a glossary and updates to regulation

Description

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 Information

Adrian Cudby runs his own financial training and consulting business based in Leeds, UK. His clients range from international financial institutions to individuals who require oneto-one mentoring and coaching. He is a professional banker (ACIB) with over thirty years’ experience in the industry. He has a Master’s Degree in Business Administration and holds a Postgraduate Certificate in Higher Education.

Table of Contents

1 The relationship between the bank and the customer 2 The financial analysis of businesses 3 Cash analysis 4 How to structure a lending proposition 5 The strategic analysis of business 6 Securities for lending 7 Lending products 8 Management and leadership 9 Businesses facing financial difficulties 10 Glossary