Commercial Lending Principles and Practice Chartered Banker Series

Endorsed by the Chartered Banker Institute as required reading for its Chartered Banker programme, 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.

Adrian Cudby has a wide range of experience in banking and education. He worked for over 30 years in banking, where he carried out an extensive range of roles including lending, relationship management, high risk management and roles in central strategy teams. The author now works predominantly in higher education and lectures on a wide range of subjects including lending, law, risk management, management, marketing, international trade, leadership and ethics, and interpretation of financial statements. He is an Associate of the Chartered Institute of Bankers.

Supports the Chartered Banker Institute's Commercial Lending module requirements and helps to prepare for assessment