Bank Credit Policy, Administration and Remedial Strategies - Paperback

by Leonard Onyiriuba (Author)

Bank Credit Policy, Administration and Remedial Strategies is designed to contribute knowledge that would help to stabilize the banking system and stem future global financial crisis. It addresses issues in the long-term implications of the views which its author upholds in the book. At the preliminary stage, it profiles contemporary credit risk crisis. That defines the problem which takes centre stage of the book. Diagnosing credit risk as the canker of financial crisis in the banking system, it challenges contemporary management of credit risk in global banks. The book propounds five evolutionary stages of credit risk management. Doing so, it discusses implications of the stages for bank management. With appropriate case studies and analyses, the book addresses five major issues: -The dynamics of contemporary bank credit, risk, and management -Credit risk management methodology vis- -vis bank lending need -Growing international concerns about global bank credit risk -Implications of Basel I and Basel II Accords for global bank credit risk -Evolving thinking and issues in failed bank credit risk management This book focuses on two of the three Pillars of credit risk management in banking - credit policy and control, also referred to as credit administration or credit compliance (Pillar 2); and loan workout, remediation and recovery (Pillar 3). I dealt with credit analysis, representing the Pillar 1, in another book - Analyzing and Managing Risks in Bank Lending. Pillar 2 ensures that the lending portfolio is of high quality, profitable, and effectively managed. Pillar 3 seeks, regularizes, and adopts measures that ensure that a bank always has efficient processes for loan workout, remediation of non-performing loans, and recovery of classified or lost risk assets.

Author Biography

Leo Onyiriuba is a strong voice of banking in Africa. With insights - as finance and banking trainer, advisor, and author - he proffers forceful thoughts on solutions to the industry's problems. With post-graduation lectureship, banking, and consulting experience spanning 30 years, he aims to engender progress in the work of bankers that affect ordinary people. His internationally published works include Bank Risk Management in Developing Economies (2016), Managing Risk in Banking - New Insights and Concerns (2016), Emerging Market Bank Lending and Credit Risk Control (2015), Banking Processing Risks and Control (2014), Bank Credit Policy, Administration and Remedial Strategies (2013), The Banking Companion (2010), Bank Marketing Risks and Control (2008), and Analysing and Managing Risks in Bank Lending (2004). Onyiriuba was formerly a university lecturer (1987-1991) and banker (1991-2003). As a banker, he was at various times Group Head (Commercial Banking), Regional Director (Lagos), Divisional Director (Corporate Banking), and member of executive management. He is presently the chief executive of NFS Data Bureau Limited - a financial consultancy that helps clients build best-practice knowledge, institutionalize sound risk culture, manage risk, and create value. Born 13 June 1961, Onyiriuba holds first class honours bachelor's degree (1986) in business administration and Master of Business Administration (1990) in finance from University of Nigeria.