The Basel Ii "Use Test" - a Retail Credit Approach (ePub)
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The very foundation of a banks lending practices is the credit cycle. This book identifies both the traditional model and the newly minted Basel II model of the credit cycle. It also demonstrates practices that create sustainable business processes which optimize the risk-reward drivers of a retail banking environment. It focuses on the different operational areas of the bank and the role each plays within the Basel II credit cycle. Finally, it provides a foundation for which the credit practices present in Marketing, Underwriting, Account Management, Portfolio Management, Recoveries and Collections and Regulatory Capital setting can be justly applied.
Banks must make use of The Basel II Framework estimation tools, thus confirming that they are predictive, accurate and reliable in the estimation of regulatory capital as well as in the day-to-day running of the bank. In spite of the prescriptive nature of The Basel II Framework model estimates this book will illustrate how to exploit their elemental design into profitable pursuits. While one fundamental challenge relating to Basel II Framework adherence is incorporating these tools into the Credit Cycle, another focuses on enhancing and improving existing credit practices found within the banks organizational structure in light of traditional banking shareholder drivers. This book thus simplifies this directive.
Stephen has worked in the field of credit risk management for over eighteen years. Much of this time has been spent working with banks, trust companies and software companies related to the credit risk field.
Stephen has worked on three Basel II engagements during this time and has been intimately involved with numerous facets of Basel II implementations both in retail and wholesale institutions.
Stephen is very involved with helping banks prepare themselves for evaluation before the regulatory bodies of their jurisdictions in meeting the Pillars 1-3 requirements.
This is Stephen's first publication. He identified the need for this book while helping banks recognize the need to imbed the various Basel II metrics into their existing infrastructures. Although the Use test is mentioned in only one paragraph its importance pervades throughout the entire Basel II Framework.
It is equally important for banks to prove that they use these regulatory capital estimation techniques in the areas of marketing, underwriting, management and disposal of credit as it is for them to be used for their minimum capital requirements.
Stephen hopes to continue this gospel throughout the banking world in the coming years as banks gradually adopt the Basel II Framework.
Stephen resides in Toronto with his wife Cindy and three children Abigail, Leora and Zachary.
- Autor: Stephen D. Morris
- 2008, 1 Seiten, Englisch
- Verlag: AUTHORHOUSE
- ISBN-10: 1467839558
- ISBN-13: 9781467839556
- Erscheinungsdatum: 05.08.2008
Abhängig von Bildschirmgröße und eingestellter Schriftgröße kann die Seitenzahl auf Ihrem Lesegerät variieren.
- Dateiformat: ePub
- Größe: 2.04 MB
- Mit Kopierschutz
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