ABSTRACT
The purpose of this project was to study credit Analysis & loan management in commercial Bank with particular reference to Afrikbank Nigeria plc.
It was designed to determine what the look for before a loan is granted and how the loan, and its repayment are monitored and recovered, and the effect of bad debts on the banks financial position.
To achieve this purpose, data were collected by the administration of oral interview in addition, personal interviewed were held with some members of staff of Afrikbank as well as seminar papers and textbooks. The study revealed that even though the credit control policy of Afrikbank is satisfactory, there is room for important. The need for the services of credit management agencies was also highlighted in the study. It is suggested, that Afrikbank Nigeria plc should base the granting of credit on laid down polices.
The Bank monitor more closely the relationship between credit and liquidity to enable it continue in Business.
Finally qualified personal should be employed as credit officers for effective and efficient operation and credit control.
TABLE OF CONTENTS
Title i
Approval ii
Dedication iii
Acknowledgement iv
Abstract v
Table of content vi
CHAPTER ONE
1.0 Introduction 1
1.1 Purpose of study 3
1.2 Need for the study 3
1.3 Significance of the study 4
1.4 Scope of the study 4
1.5 Definition of terms 5
CHAPTER TWO
2.0 Evolution the banking industry in Nigeria 7
2.1 Types of loans and advances 8
2.2 C.B.N. credit policy guidelines 10
2.3 The place of credit control in an organization 11
2.4 Credit appraised & cannons of lending 12
2.5 Processing the credit facility. 14
2.6 The major financial risk processing the credit facility 17
2.7 Monitoring loan payment 18
2.8 Management of bad debt and cost of recovery 19
Prudential guidelines decree 1990 credit control
profitability & liquidity 20
CHAPTER THREE
3.0 Summary of findings conclusion & recommendations 27
3.1 Findings 27
3.2 Conclusion 31
3.3 Recommendations 33
Bibliography
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(2014, 11). The Credit Analysis And Loan Management In Commercial Bank.. ProjectStoc.com. Retrieved 11, 2014, from https://projectstoc.com/read/4280/the-credit-analysis-and-loan-management-in-commercial-bank-5939
"The Credit Analysis And Loan Management In Commercial Bank." ProjectStoc.com. 11 2014. 2014. 11 2014 <https://projectstoc.com/read/4280/the-credit-analysis-and-loan-management-in-commercial-bank-5939>.
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"The Credit Analysis And Loan Management In Commercial Bank.." ProjectStoc.com. 11, 2014. Accessed 11, 2014. https://projectstoc.com/read/4280/the-credit-analysis-and-loan-management-in-commercial-bank-5939.
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