Commercial Lending

Beschreibung

Support your studies with this Chartered Banker Institute endorsed textbook for the Institute's professional qualifications on analyzing customer creditworthiness.
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 in the UK. All law and legislation used throughout the book (Chapters 1, 6 and 9) is either UK or English law. Readers outside the UK are recommended to check the appropriate legislation in their country. The currency used throughout the book is UK Sterling (denominated by £ symbol) and where working examples are used (particularly in Chapters 2 and 3) readers can substitute their own currency by using the appropriate exchange rate for their own country.
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

Autor*in

Adrian Cudby
Adrian Cudby runs his own financial training and consulting business based in Edinburgh, UK. His clients range from international financial institutions to individuals who require one-to-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.

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CBI programme bank risk management lending proposition funding solutions commercial loans commercial banking lending products

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"This textbook demonstrates Adrian's ability to explain and develop the main concepts of the Commercial Lending Sector in a way that is easy to dip in and out of and follow. Adrian's wealth of experience in the sector alongside simple to understand language, tailored examples, insights and case studies, connects with students in a meaningful way."
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