Managing A Consumer Lending Business
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Author | : David Lawrence |
Publisher | : |
Total Pages | : 288 |
Release | : 2013-03-08 |
Genre | : |
ISBN | : 9780971753730 |
Download Managing a Consumer Lending Business Book in PDF, Epub and Kindle
"Managing a Consumer Lending Business," 2nd edition, summarizes the lore and knowledge of the business in the early 21st century. It covers many subjects a good manager should know: the importance of how to attract enough good accounts to offset the inevitable bad accounts that every lender will get, controlling line sizes, encouraging use by good customers/controlling the use by bad customers, managing profitability with predictability, if he or she is to effectively run a high-volume consumer business. The second edition covers some of the problems the financial services industry experienced in the early 2000s and some of the resulting regulations implemented. The updated MIS demonstrates and compares this later period to earlier results for the industry.
Author | : David Lawrence |
Publisher | : |
Total Pages | : |
Release | : 2012-03-16 |
Genre | : Business & Economics |
ISBN | : 0971753717 |
Download Managing a Consumer Lending Business Book in PDF, Epub and Kindle
Author | : Milind Sathye |
Publisher | : Wiley |
Total Pages | : 0 |
Release | : 2003-03-04 |
Genre | : Business & Economics |
ISBN | : 9780470800416 |
Download Credit Analysis and Lending Management Book in PDF, Epub and Kindle
Credit Analysis and Lending Management is a new Australasian text that focuses on the core lending functions of financial institutions, covering asset management, credit risk assessment and analysis, lending policy formulation and management, and the rise of new product development and marketing in the financial services sector. The value of any financial institution is measured by its ability to effectively manage and reduce its credit risk. This text details the structure of the credit organisation, including loan markets. Relevant financial statements are presented to develop students' interpretative and analytical understanding of financial statements. Features: * Developments in loan marketing and new loan products are profiled and assessed (see chapter 17.) * Problem loan management is discussed as a growing professional issue (see chapter 16). * Detailed case studies at the end of the text present a diverse set of professional scenarios that can be used for assignment, assessment and group work activities. * 'Industry insight' boxes profile current professional issues and identify industry developments. * 'A day in the life of...'boxes highlight the diversity of professional roles in the banking industry.
Author | : Clark R. Abrahams |
Publisher | : John Wiley & Sons |
Total Pages | : 356 |
Release | : 2008-03-14 |
Genre | : Business & Economics |
ISBN | : 9780470241899 |
Download Fair Lending Compliance Book in PDF, Epub and Kindle
Praise for Fair Lending ComplianceIntelligence and Implications for Credit Risk Management "Brilliant and informative. An in-depth look at innovative approaches to credit risk management written by industry practitioners. This publication will serve as an essential reference text for those who wish to make credit accessible to underserved consumers. It is comprehensive and clearly written." --The Honorable Rodney E. Hood "Abrahams and Zhang's timely treatise is a must-read for all those interested in the critical role of credit in the economy. They ably explore the intersection of credit access and credit risk, suggesting a hybrid approach of human judgment and computer models as the necessary path to balanced and fair lending. In an environment of rapidly changing consumer demographics, as well as regulatory reform initiatives, this book suggests new analytical models by which to provide credit to ensure compliance and to manage enterprise risk." --Frank A. Hirsch Jr., Nelson Mullins Riley & Scarborough LLP Financial Services Attorney and former general counsel for Centura Banks, Inc. "This book tackles head on the market failures that our current risk management systems need to address. Not only do Abrahams and Zhang adeptly articulate why we can and should improve our systems, they provide the analytic evidence, and the steps toward implementations. Fair Lending Compliance fills a much-needed gap in the field. If implemented systematically, this thought leadership will lead to improvements in fair lending practices for all Americans." --Alyssa Stewart Lee, Deputy Director, Urban Markets Initiative The Brookings Institution "[Fair Lending Compliance]...provides a unique blend of qualitative and quantitative guidance to two kinds of financial institutions: those that just need a little help in staying on the right side of complex fair housing regulations; and those that aspire to industry leadership in profitably and responsibly serving the unmet credit needs of diverse businesses and consumers in America's emerging domestic markets." --Michael A. Stegman, PhD, The John D. and Catherine T. MacArthur Foundation, Duncan MacRae '09 and Rebecca Kyle MacRae Professor of Public Policy Emeritus, University of North Carolina at Chapel Hill
Author | : Thomas A. Durkin |
Publisher | : Oxford University Press, USA |
Total Pages | : 386 |
Release | : 2011 |
Genre | : Business & Economics |
ISBN | : 0195172957 |
Download Truth in Lending Book in PDF, Epub and Kindle
This book examines the economic, psychological, sociological, historical, and legal traditions behind the demand for financial disclosures like Truth in Lending as consumer protections, how they have evolved into what they have become today, and how they might be reformed and improved.
Author | : Peter S. Clarke |
Publisher | : Kevin Lee |
Total Pages | : 380 |
Release | : 2017-11-15 |
Genre | : Business & Economics |
ISBN | : |
Download Asset-Based Lending Book in PDF, Epub and Kindle
This new, third edition, has added many updates regarding critical asset-based collateral subjects and issues, including regulatory Uniform Commercial Code (UCC) changes and more. Asset-based lending, or the extension of credit against company's balance sheet assets on a collateral margin basis, is a rapidly growing field in the lending arena - thanks to better controls and understanding as well as the intensification of non-bank competition in the field. Asset-Based Lending defines lending controls and policies, assessing collateral and borrower quality, loan pricing, collateral monitoring and much more, including: - Cash collateral accounts, commingling funds and controlling payments and advances - Completing notes, security agreements and other documents - Accounts receivable and inventory lending - Chattel paper, notes, machinery and equipment - Direct and third party leasing - Collateral field examinations - Factoring
Author | : Richard E. Beck (Jr.) |
Publisher | : |
Total Pages | : 448 |
Release | : 2009 |
Genre | : Bank loans |
ISBN | : 9780899826301 |
Download Consumer Lending Book in PDF, Epub and Kindle
Author | : Joetta Colquitt |
Publisher | : McGraw Hill Professional |
Total Pages | : 385 |
Release | : 2007-05-11 |
Genre | : Business & Economics |
ISBN | : 0071510532 |
Download Credit Risk Management Book in PDF, Epub and Kindle
Credit Risk Management is a comprehensive textbook that looks at the total integrated process for managing credit risk, ranging from the risk assessment of a single obligor to the risk measurement of an entire portfolio. This expert learning tool introduces the principle concepts of credit risk analysis...explains the techniques used for improving the effectiveness of balance sheet management in financial institutions...and shows how to manage credit risks under competitive and realistic conditions. Credit Risk Management presents step-by-step coverage of: The Credit Process_discussing the operational practices and structural processes to implement and create a sound credit environment The Lending Objectives_explaining the credit selection process that is used to evaluate new business, and describing how transaction risk exposure becomes incorporated into portfolio selection risk Company Funding Strategies_presenting an overview of the funding strategies on some of the more commonly used financial products in the extension of business credit Company Specific Risk Evaluation_outlining some fundamental credit analysis applications that can be used to assess transactions through the framework of a risk evaluation guide Qualitative Specific Risk Evaluation_offering additional approaches to risk evaluate a borrower's industry and management Credit Risk Measurement_defining the role of credit risk measurement, presenting a basic framework to measure credit risk, and discussing some of the standard measurement applications to quantify the economic loss on a transaction's credit exposure Credit Portfolio Management_exploring the basic concepts behind credit portfolio management, and highlighting the distinctive factors that drive the management of a portfolio of credit assets compared to a single asset Credit Rating Systems_analyzing the pivotal role that credit rating systems have come to play in managing credit risk for lenders The Economics of Credit_showing how the modern credit risk approach has changed the economics of credit in order to achieve more profitable earnings and maintain global stability in the financial markets Filled with a wide range of study aids, Credit Risk Management is today's best guide to the concepts and practices of modern credit risk management, offering practitioners a detailed roadmap for avoiding lending mishaps and maximizing profits.
Author | : Helen McNab |
Publisher | : Global Professional Pub |
Total Pages | : 0 |
Release | : 2008 |
Genre | : Business & Economics |
ISBN | : 9781906403218 |
Download Consumer Credit Risk Management Book in PDF, Epub and Kindle
The book explores the history of credit scoring and analytics and the rationale behind the reliance on them. It also deals with the UK legal and regulatory regimes within which users must operate, including The Banking Code, The Business Banking Code, Treating Customers Fairly, Responsible Lending, The Competition Act 1998, the Data Protection Acts 1984 and 1998 and the Consumer Credit Act 1974.Also covered are key features of scorecard management and maintenance. This book will give the reader an insight into the legal and regulatory constraints, such as Basel, and methods used to detect and prevent fraud and bad debt using techniques such as CIFAS. It also deals with referral and appeal systems and the benefits of credit scoring compared to judgmental lending.
Author | : Frank Tian |
Publisher | : |
Total Pages | : 274 |
Release | : 2021-03-20 |
Genre | : |
ISBN | : 9781777592707 |
Download Unsecured Lending Risk Management Book in PDF, Epub and Kindle
Unsecured Lending Risk Management provides a comprehensive introduction that will help readers quickly establish a holistic view of the risk management practices in this traditional, yet quickly evolving industry of unsecured lending. In this easy-to-follow guide, all behind-the-scenes risk management decisions and best practices are revealed.