{"product_id":"credit-made-simple-robyn-xu-9798277658635","title":"Credit Made Simple: A Complete Guide to Modern Lending \u0026 Risk Management","description":"The world of credit has evolved significantly. Traditional methods of loan assessment now coexist with \u003cb\u003eadvanced analytics, AI-driven decisioning, alternative data, and ESG considerations\u003c\/b\u003e. Global trends in fintech, open banking, and decentralized finance are reshaping how lenders evaluate risk and provide access to capital. Understanding both the \u003cb\u003efoundations of credit and its modern evolution\u003c\/b\u003e is essential for success in today's financial environment.\u003cbr\u003eThis book is structured to guide readers through a complete credit lifecycle: \u003col\u003e\n\u003cli\u003e\n\u003cb\u003eFoundations: \u003c\/b\u003e Understanding credit principles, types of lending, and why credit matters.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eBorrower Analysis: \u003c\/b\u003e Assessing financial statements, business models, and risk factors.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eCredit Products \u0026amp; Structures: \u003c\/b\u003e Exploring loans, trade finance, project finance, and specialized lending.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eCredit Assessment \u0026amp; Rating: \u003c\/b\u003e Quantitative and qualitative evaluation, internal and external rating systems.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eCollateral, Guarantees \u0026amp; Credit Enhancement: \u003c\/b\u003e How protections shape lending decisions.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eLoan Pricing \u0026amp; Economics: \u003c\/b\u003e Risk-based pricing, ROE, and RAROC frameworks.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eApproval \u0026amp; Governance: \u003c\/b\u003e Credit committees, proposals, negotiation, and decision-making.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003ePost-Loan Management: \u003c\/b\u003e Monitoring, covenants, portfolio diversification, restructuring, and renewals.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eThe Future of Credit: \u003c\/b\u003e AI, automation, ESG integration, fintech innovation, and global trends.\u003c\/li\u003e\n\u003c\/ol\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Robyn Xu\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9798277658635\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Independently Published\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 12\/06\/2025\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 178\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.54lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 9.00h x 6.00w x 0.38d","brand":"Robyn Xu","offers":[{"title":"Paperback","offer_id":48997295554815,"sku":"9798277658635","price":9.99,"currency_code":"USD","in_stock":true}],"url":"https:\/\/www.whiterainbookhouse.com\/products\/credit-made-simple-robyn-xu-9798277658635","provider":"WR Book House","version":"1.0","type":"link"}