There are three Pillars of credit risk management - credit analysis (Pillar 1); credit policy and control - also referred to as credit administration or credit compliance (Pillar 2); and loan workout, remedial and recovery (Pillar 3). Credit analysis institutionalizes processes for assessing lending risk and structuring a credit facility. The foregoing implies that credit risk must be properly identified, appraised, and effectively mitigated. This methodological framework, and analytical functions it embodies, paves the way for efficient structuring of a credit facility. The approach to, and methodology for, dealing with issues implied in the Pillars have witnessed dramatic changes over time. Yet, the goal of credit risk management remains immutable. That goal is addressed and largely fulfilled in the content and expatiation on Pillar 1. Thus, specifically, Analyzing and Managing Risks in Bank Lending is a practical text for managing bank lending and credit risk in emerging economies. It equips bankers, deposit insurers, analysts, academics and students with understanding of the workings and outcomes of risk management in bank lending. The book is divided into four parts and has 23 chapters altogether. Each chapter features an overview that introduces the subject of the chapter, its learning focus, and its outcomes.
About the Author: 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 Administration and Remediation (2013), Banking Companion for a Developing World (2010), Bank Marketing Risks and Control in Developing Economies (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), and Divisional Director (Corporate Banking). He is presently the chief executive of NFS Data Bureau Limited - a financial consultancy that helps clients build best-practice knowledge, institutionalize sound 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.