Security of Credit

Before advancing loans and advances a bank should make sure that it wiil get the loan back in time. Since many borrowers default in repaying...

The 7'Cs of Creditworthiness

Creditworthiness is a measure of how deserving a loan applicant is to get a loan sanctioned in his favor. In other words, it is an assessmen...

What is Credit Risk Grading (CRG)

Credit risk refers to the risk that an issuer of debt securities or a borrower may default on his or her obligations or that the payment may...

Steps in Credit Analysis

Credit analysis is the process of evaluating an applicant’s loan request or a corporation’s debt issue in order to determine the likelihood ...

What is Default Culture

Default essentially means a debtor has not paid a debt which he or she is required to have paid. In banking terms, default means failure to ...

Dealing with Problem Loans

Problem loans cause delinquency and loss to lending institution. Having identified which loans are problematic, the banker needs to do the f...

Detecting Problem Loans

Detecting Problem Loans is for loan officers and other credit professionals who need to understand the ways to minimize problem loans and to...

Good Loans and Bad Loans

Inevitably, despite the safeguards most banks build into their lending program, some loans on a bank...

Steps of Bank Loan Policy

To conduct loan operations efficiently & successfully ,it is important to formulate a clear cut and comprehensive loan policy .Without a...

Why Central Bank is the Lender of Last Resort

A lender of last resort is an institution which is willing to offer loans as a last resort. Such institution is usually a country's cent...


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