Get Credit Control in Boom and Recession PDF

Risk Management

By T. Donaldson

The booklet incorporates a complete assessment of all elements of credits keep watch over: research and presentation for a choice; constitution; tracking; and harm trouble. It additionally has chapters on education, pcs and capital adequacy. It recognises that types of banks will observe the fundamental ideas in methods reflecting their total approach and nature in their company. It adapts to those, yet stresses powerful warnings on sure regulations or lack thereof. it truly is therefore prescriptive instead of in basic terms descriptive.

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In some banks, the ladder is hierarchical. Only a senior executive is fit to go in front of the committee, even where the presenter is in the same office. This is a serious mistake even if the senior uses the original memo by the first presenter; worse if he rewrites it or speaks without reference to the original written one . ' In one sense this was admirable, but in wider senses it was short-sighted and dangerous, as are other aspects of the ladder. First, in cutting the committee off from the banker, he removed a valuable source of answers to questions on management, the local labour pool, and similar items.

In terms of interest earnings to replace them, or fee business which the analyst could be helping to win, they look enormous. Equally the argument may be that we do not need to look at subsidiaries, provided we have looked at the parent. This again can be a recipe for bad loans where the parent support is not clear-cut, or its credit is suspect. Banks should, therefore, look at everything, but not necessarily in the same detail. It may be cost-effective to adjust the depth of analysis to the requirements of the client or transaction.

What goes into the framework is a matter for each bank, or better still each individual presenter. Banks can, and should, train bankers how to Presentation 45 recognise, organise and present the factors which the Rationale has highlighted . We can give them tools such as the intel1igent use of a Background section, what its aim and contents should be; or how to relate financial figures to the nature of the company's business , and assess which are the critical ratios for different types of company, and so on.

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