ASSESSMENT OF RISK MANAGEMENT AND CREDIT ADMINISTRATION IN UNION BANK PLC
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The literature covers extract from source documents in line with
the objectives of the study. The literature shall be segmented into the
following sub themes. The concept of risk management in commercial
banks, concept of credit administration, techniques of risk management
in commercial bank, credit management in commercial banks, as well as
the constraint of risk management and credit administration.
2.2 Concept of Risk Management in Commercial Banks
Risk Management is the identification, assessment and
prioritization of risk or the effect of uncertainty on objectives of an
organization, by coordinated economical application of resources to
minimize, monitor, and control the probability and the impact of
unfortunate events or to maximize the realization of opportunities.
Risk can come from uncertainty in financial market, project
failures at any phase in development, production or sustainment
life-cycles, legal liabilities, credit risk, accidents, natural causes
and disasters as well as deliberate attack from an adversary or event
of uncertain root-cause (Egbe, 2007).
Risk management in commercial bank basically focus on credit risk.
Credit risk management is the process used to systematically manage
the exposure of financial institutions to loan delinquency and default.
The process consists of the following four stages: the identification
of potential losses from delinquencies and defaults, evaluation of the
potential frequency and severity of losses form credit risks;
development and selection of methods for managing the risks so as to
minimize losses and maximize business value, and implementation and
ongoing monitoring review of the selected methods (Okoh, 2009).
Thus maximization of business value by preventing or minimizing
losses from delinquency and default and promoting prompt loan repayment
by borrowers is the principal objective of credit risk management in
commercial bank. Bank business value depends on the expected magnitude,
timing and variability associated with future net cash flows that will
be available to provide shareholders with a return on their
investment. Delinquency and default results in losses that reduce
business value. Credit risk management seek to mitigate this reduction
in business value by designing a system that prevents, reduces or deal
with delinquencies and defaults when they occur. Credit risk management
is therefore both an ex-ante and ex-post activity (Lawal, 2007).
The purpose of risk management in commercial bank is to reduce
losses arising from default in payment of loan. As such in order to
survive, these institutions must balance risks as well as returns. For a
bank to have a large consumer base, it must offer loan products that
are reasonable enough. However, if the interest rate in loan products
are too low, the bank will suffer from losses. In terms of equity, a
bank must have substantial amount of capital on its reserve, but not
too much that it misses the investment revenue, and not too little that
it lead itself to financial instability. The complexity and
derivatives is a factor that gave rise to risk management in financial
institution and commercial bank in particular (Kent, 2009).
2.3 Credit Administration in Commercial Bank
Credit Administration is the management of loan portfolio. This
involves evaluation of loan proposal as well as appraising the capacity
of borrowers and the disbursement and monitoring of loan (Egbe, 2011).
Credit administration in commercial bank help to reduce risks of
delinquency and default. An efficient loan appraisal system is very
important in this respect, loan appraisal is the process of determining
in advance the various lending parameters and determining investment
opportunities available to farmers that remain unexploited for want of
credit, loan appraisal also involves determination of overall loan
limit for each borrower based on his debt capacity; loan duration and
phasing of the disbursement to coincide with various implementation
stages of the business project
ASSESSMENT OF RISK MANAGEMENT AND CREDIT ADMINISTRATION IN UNION BANK PLC
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