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Credit Risk Assessment The New Lending System for Borrowers, Lenders, and Investors

ISBN-10: 0470461683

ISBN-13: 9780470461686

Edition: 2009

Authors: Clark R. Abrahams, Mingyuan Zhang, Abrahams

List price: $81.99
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Description:

This book provides a comprehensive credit assessment framework for small business and consumer lending, and explains how this framework can be implemented to improve a financial institution's credit assessment system. It will discuss how the comprehensive credit assessment framework can extend existing credit scoring to embrace all relevant factors and business context so that lenders can classify credit risk and decision all transaction in an effective, transparent, and forward-looking manner. The tentative contents is: (1) Subprime Crisis; (2) Development of Credit Scoring; (3) The Underwriting Gap; (4) Comprehensive Credit Assessment Framework; (5) Hybrid Models; (6) Alternative Data; (7) Safe and sound lending practices.
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Book details

List price: $81.99
Copyright year: 2009
Publisher: John Wiley & Sons, Incorporated
Publication date: 3/18/2009
Binding: Hardcover
Pages: 320
Size: 6.00" wide x 9.25" long x 1.50" tall
Weight: 1.100
Language: English

Clark Abrahams is the Director for Fair Banking at SAS, where he leads business and product development. He has over thirty years of experience in the financial services industry, at corporations including Bank of Americaand Fair Isaac Corporation.Mingyuan Zhang is Solutions Architect for SAS Financial Services. Over the last 10 years with SAS Institute, he has successfully developed and implemented many economic forecasting, data mining, and financial risk management solutions for various industries. Prior to joining SAS, he served as an economic and financial analyst for a leading telecommunicationsconsulting firm.

Preface
Unpacking the Financial Crisis
The Case for a Comprehensive Credit Assessment Framework
The Lender and the Underwriting Gap
The Borrower and Loan Affordability
The Investor and Financial Innovation
Crisis Intervention and Prevention
Index