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Commercial Lending

Principles and Practice

Support your studies with this Chartered Banker Institute endorsed textbook for the Institute's professional qualifications on analyzing customer creditworthiness.
EAN: 9780749482770
Edition: 1
Format: 235 x 157
352 pages

FREE UK and US delivery

About the book

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.

About the authors

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.
  • 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.
  • Richard Gregson MBA, Head of Commercial - Wholesale Finance, Close Brothers Leasing

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Written by banking experts and published with the Chartered Banker Institute, this series is a collection of cutting-edge titles carefully developed to support

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