# Bankers' Handbook on Credit Management book by Indian Institute of Banking & Finance

The 'Bankers' Handbook on Credit Management' is developed to address the unique skill requirements of banking professionals in managing credit portfolios. This book offers insights into the credit function, supplemented by practical examples, a rundown of regulatory guidelines, etc.

The focus areas of this handbook revolve around the credit operations of commercial banks and delve into:

An Introduction to and Overview of Credit  
Analysis of Financial Statement  
Working Capital Management  
Other Credits  
Monitoring, Supervision/Follow-up, and Management of Impaired Assets  
Emphasis is placed on real-world applications of credit management concepts and functions. To ensure the reader is well-equipped with the latest knowledge, this book incorporates the recent developments and guidelines in the field.

This book is not only the recommended courseware for the IIBF's 'Certified Credit Professional Course', recognized by the Reserve Bank of India & Indian Banks Association for enhancing the skills of banking professionals, but also an invaluable asset for anyone intrigued by the nuances of bank credit functions within India.

The Present Publication is the 3rd Edition, updated by P.D. Sankaranarayanan (Former Assistant General Manager – State Bank of India) and vetted by D. Srinivasan (Former Deputy General Manager & Faculty | Training College – Indian Bank). Taxmann exclusively publishes this book for IIBF with the following coverage:

Module A – Introduction & Overview of Credit  
Principles of Lending  
Credit Policy  
Types of Borrowers & Types of Credit Facilities  
Credit Delivery  
Credit Appraisal  
Credit Rating  
Capital Adequacy (Credit Risk – Standardized Approach & Advanced Approached)  
Probability of Default  
Exposure at Default  
Loss Given Default  
Importance & Application of RAROC (Risk Adjusted Return on Capital)  
Module B – Analysis of Financial Statements  
Analysis of Financial Statements  
Non-financial Risk Analysis & Macroeconomic Factors  
Project Appraisal/Term Loan Appraisal  
Credit Risk Analytics & Credit Scoring Models  
Module C – Working Capital Management  
Working Capital Assessment (including Factoring, Bill Financing, etc., as Sub-limits)  
Non-Fund-Based Credit Facilities  
Module D – Other Credits  
Export Finance  
Priority Sector Lending/Government Sponsored Schemes/NABARD Schemes  
Retail Loans  
Forward Exposure Limit & Pre-settlement Risk  
Structured Finance Options  
Alternative Source of Funding  
Digital Finance-P2P Lending via FinTech  
Green Finance  
Module E – Monitoring, Supervision/Follow-Up & Management of Impaired Assets  
Documentation  
Types of Charges  
Follow-Up, Supervision & Credit Monitoring  
Periodic Scrutiny of Exception Reports  
AI/ML Based Analytics Tools to Analyze the Transaction to Predict 'Likely to Default'  
Resolution of Stressed Assets  
Fair Practices Code on Lender's Liability  
Insolvency & Bankruptcy Code (IBC), 2016 \[including all Amendments & Top Five Judgements\]  
Fraud Risk Management in Credit  
Early Warning Signals \[Annexure 16/3 of Current Book\]  
Red Flagging of Accounts  
Identification & Reporting of Fraud  
Forensic Audit  
Wilful Defaulters  
Non-cooperative Borrowers  
Fugitive Economic Offender  
Look Out Circular  
Criminal Offenses and Investigative Agencies

## Details

- **Price:** 0.0 INR
- **Vendor:** Taxmann
- **Tags:** Banking and Finance Books

## Variants

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- Bankers' Handbook on Credit Management book by Indian Institute of Banking & Finance

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> Updated: 2026-10-24