Loan Risk Management: Strategies and Analytical Techniques for Commercial Bankers Book

	Preface
	Acknowledgments
1	Introduction to Credit Risk Management	3
2	Accounting Issues in Credit Analysis: Let the Lender Beware	23
3	Elemental Financial Statements	33
4	Ratio Analysis	41
5	Unsecured Seasonal Lending	63
6	Risk Management of Collateralized Loans	89
7	Cash Flow Analysis: Background and History	107
8	Cash Flow Workshop	121
9	Cash Flow Analysis	131
10	Role and Techniques of Forecasting in Credit Analysis	141
11	The Real Focus: The Modified Percent of Sales Method	147
12	Risk Management and Sustainable Growth	173
13	Loan Pricing: A Valuation Approach	191
	Appendix The Mathematics of Volatility and Loan Pricing	219
14	The Essentials of Interest-Rate Risk Management	225
15	Valuation and Credit Risk: New Developments	237
	Appendix I Measuring the Cost of Capital	265
	Appendix II Capital Budgeting	273
16	Entrepreneurship Lending: Small Businesses	277
17	Small-Business Loan Products and Agreement Structure	285
18	Financial Distress: Predictive Modeling	303
	Appendix KMV Corporation: The Expected Default Frequency Model (EDF)	313
19	The Turnaround	317
	Appendix An Overview of U.S. Lender Liability Litigation	339
20	Credit Quality and Portfolio Management	353
21	Credit Risk Grading	383
	Index	401