Credit Appraisal, Risk Analysis & Decision Making

This book presents a comprehensive and practical framework for understanding credit appraisal, risk assessment, and decision-making in modern banking. It integrates both on-balance-sheet and off-balance-sheet lending concepts, offering a holistic view of credit processes. With its structured approach, the book guides readers through financial analysis, risk evaluation, regulatory insights, and evolving trends in the credit landscape, making it an essential reference for professionals involved in bank lending and credit operations.

Key Features

• Covers fund-based, non-fund-based, project finance, and trade finance appraisal
• Detailed interpretation of financial statements from multiple perspectives
• Cash flow and fund-flow assessment for informed credit decisions
• Practical guidance on forecasting, budgeting, and credit delivery processes
• Comprehensive risk management framework across credit, operational, market & country risks
• Insightful explanations on window dressing, red flags, and early warning signals
• Overview of retail, MSME, and priority-sector credit
• Updated RBI directives and Companies Act provisions relevant to lending
• Discussion on regulatory developments and emerging industry trends

This book is ideal for credit officers, banking professionals, finance managers, auditors, and students pursuing careers in banking or financial services. It is especially useful for those involved in credit assessment, loan processing, financial analysis, and risk management. New entrants to the banking sector will benefit from the step-by-step explanations, while experienced professionals will appreciate the updated regulatory insights and advanced analytical frameworks.