Commercial Lending: Principles and Practice

  • 5h 55m
  • Adrian Cudby
  • Kogan Page
  • 2019

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.

About the Author

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 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.

In this Book

  • List of Abbreviations
  • The Relationship between the Bank and the Customer
  • The Financial Analysis of Businesses
  • Cash Analysis
  • How to Structure a Lending Proposition
  • The Strategic Analysis of Business
  • Securities for Lending
  • Lending Products
  • Management and Leadership
  • Businesses Facing Financial Difficulties
  • Glossary