“Credit Operations and Risk Management in Commercial Banks” by M.A. Matin, now in its fourth edition, is a comprehensive guide tailored for practicing bankers involved in credit assessment and risk management.
This edition emphasizes the importance of due diligence in evaluating borrower’s business dynamics and operational aspects, especially in light of the rapidly evolving banking landscape and regulatory changes. It aims to equip credit analysts with the knowledge and tools necessary for judicious credit application assessment, ultimately contributing to the bank’s efficiency and effectiveness.
The book covers a wide range of essential topics, including:
- Analysis of Large Loan Customers
- Assessment of Business Risk
- Analysis of Trade Frauds
- Mitigation of Long Term Financing Risk & Credit Derivatives
- Supply Chain Financing
- Credit Assessment and Risk Grading
- Functional Stages of Credit Operations
- Project Financing
- Loan Syndication
- Corporate Governance and Credit Discipline
- Lessons from the Global Economic Meltdown
Furthermore, the fourth edition features redesigned chapters on Work Order Financing and Financing in the RMG Sector, incorporating updated concepts and guidelines. It also includes notes on important concepts (Appendix-IV), formats/proformas for assessing working capital requirements and factory visit reports, and case studies on Retail, SME, and Corporate lending (Appendix-V).
This book serves as a systematic guideline for navigating the complexities of credit operations in commercial banks, ensuring practitioners stay abreast of recent developments and best practices. It’s an invaluable resource for bankers seeking to enhance their credit assessment skills and contribute to their institution’s success.