Lending Pdf notes

Description

CONTENTS
COURSE OUTLINE
LESSON ONE: GENERAL PRINCIPLES OF LENDING
1.1 Philosophy of Lending
1.2 Methodical Approach to Lending
1.3 Principles / Canons of Lending
1.4 Monitoring and Control
1.5 Review Questions
LESSON TWO: BRIDGE OVER LOANS
2.1 Introduction
2.2 Closed Ended Bridge Loan
2.3 Open Ended Bridge Loan
2.4 General Considerations
2.5 Lending to Executors and Administrators
2.6 Lending to Trustees
2.7 Lending to Clubs and Associations
2.8 Review Questions
2.9 References
LESSON THREE: SECURITY FOR PERSONAL LENDING AND PERSONAL
BORROWERS IN DIFFICULTIES
3.1 Bank Security
3.2 Types of Security and Valuation
3.3 Guarantees and Third Party Security
3.4 Problematic Accounts
3.5 Review Questions
3.6 References
LESSON FOUR: LARGE BUSINESS LENDING
4.1 Introduction
4.2 Non-financial Appraisal of Business
4.3 Assessment of Financial Information
4.4 Review Questions
4.5 References
LESSON FIVE: SECURITY FOR CORPORATE LENDING
5.1 When should Security be taken?
5.2 Assessment of Risk
5.2 Gone concern break-up analysis
5.3 Security and Margins
5.4 Debentures
5.5 Summary of Lending Considerations
5.6 Layout of Examination Answers
5.7 Review Questions
5.7 References
LESSON SIX: PROBLEMS WITH CORPORATE LENDING
6.1 How to Identify Problems Early
6.2 Danger Signs
6.3 Action to be taken as soon as Possible
6.4 Remedial Action
6.5 Review Questions
6.6 References
LESSON SEVEN: FINANCE FOR FARMERS
7.1 Appraisal of farming customers
7.2 The Farmer’s Audited Accounts
7.3 The Farmer’s Confidential Balance Sheet /Statement of Asset and Liabilities.
7.4 Farmer’s Assets
7.5 Rental Equivalent
7.6 Other Calculations to Aid Assessment
7.7 Monitoring and Control of Farming Advances
7.8 Security for Farm Lending
7.9 Review Questions
7.10 References
LESSON EIGHT: TRADE FINANCE
8.1 Finance for Exporters: Overdrafts / Loans
8.2 Other bank Finance for Exporters
8.3 Review Questions
8.4 References
LESSSON NINE: SPECIALIST SERVICES FOR BORROWERS
9.1 Services for Personal Borrowers
9.2 Services for Business Borrowers
9.3 Factoring and Invoice Discounting
9.4 Acceptance Credits
9.5 Review Questions