Bank Lending Practices, business and finance homework help

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Business Finance

Description

For this phase of the course project, you will conduct additional research for the bank you chose as the subject of your project. Write the next section of your risk management plan in which you discuss individual versus commercial lending practices, risk measurement techniques, and benefits of transfer credit risk. This paper needs to be done on US Bank.

In this paper, please address the following questions:

  • How would you describe the individual and commercial lending practices at the bank?
  • How would you measure credit risk at the bank? Be sure to discuss techniques for measuring individual credit products and commercial credit products.
  • How would the bank benefit from transfer of credit risk?
  • What changes would you recommend in the bank's lending practices?

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Explanation & Answer

Attached.

Running head: BANK LENDING PRACTICES

Bank Lending Practices
Name
Institution

1

BANK LENDING PRACTICES

2
Bank Lending Practices

Individual and Commercial Lending Practices
The management of risks in the US bank is critical as it ensures that there is the
prevention of the fraudulent transactions that are likely to take place and that there is the use of
the compliance tools to help the employees to adhere to the rules and regulation. The lending
practices of the bank are regulated where the borrower needs to disclose their details to the bank.
There is the assessment of the strength of their finances and the need for borrowing. It is through
this that the bank is in a position to assess their exposure to risk and ensure that there is...


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