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Loan Policies Manual
by John P Kelley

Sheshunoff’s Loan Policies Manual is a comprehensive credit policy manual for all lending activities throughout your organization. The manual focuses on reducing risk and gives you sample lending policies that will satisfy your regulators. By identifying weaknesses and controlling risky underwriting practices, you can avoid undue attention during on-site examinations. Even if you already have lending policies in place, this guide is useful to make sure everything is complete.

The manual covers:

• General lending standards
• Consumer lending
• Residential mortgage lending
• Commercial real estate and construction lending
• Non-real estate business lending
• Specialized lending and credit extensions
• Customer verification and authentication requirements
• Workout credits and problem assets
• Risk assessment and management
• Processing loans over the Internet
• Applicable laws and regulations

Sample policies make it easy for you to customize documents and distribute them to loan officers. The risk tolerance and strategic objectives of the institution can also be tailored into your own written policies.


Taxing Portfolio Income in Global Financial Markets
by Doron Herman

This book examines the taxation of portfolio income (dividends, interest and capital gains) in the context of global financial markets. Its goal is two-fold: to offer an explanation of the current patterns of international taxation in this area, and to provide a normative analysis of what the patterns should look like. To this end, the author makes a survey of the system called ‘global financial markets’, the theory underlying international portfolio income taxation and the current practices of countries in taxing such income. Inter-governmental cooperative patterns in areas adjunct to taxation, such as trade, bank and securities regulation and money laundering, are presented and contrasted with the findings concerning international taxation. Intertwined with this analysis is a closer inspection of some of the terms that are used abundantly in the literature on the subject, including ‘globalism’, ‘sovereignty’ and ‘tax competition’. The discussion ends with some tentative conclusions regarding the forces that shape the patterns of cooperation observed in international taxation in general, and specifically in issues related to portfolio income taxation. It offers answers to several key questions and outlines the likely shape of developments to come. It highlights some factors that, in the author’s opinion, have been downplayed in the existing international tax literature: the role of politics in international tax policy-making; the role of tax experts in shaping policy-makers’ perceptions of the playing field, the available alternatives and the ‘national interest’, and the effect of disagreement among these experts on the prospects of international cooperation; the dynamic nature of cooperation among tax collectors; and the role of history in shaping the present (and future) array of conceivable solutions.

Liquidity Risk Measurement and Management
by Leonard Matz, Peter Neu

Major events such as the Asian crisis in 1997, the Russian default on short-term debt in 1998, the downfall of the hedge fund long-term capital management in 1998 and the disruption in payment systems following the World Trade Center attack in 2001, all resulted in increased management’s attention to liquidity risk.

Banks have realized that adequate systems and processes for identifying, measuring, monitoring and controlling liquidity risks help them to maintain a strong liquidity position, which in turn will increase the confidence of investors and rating agencies as well as improve funding costs and availability.

Liquidity Risk Measurement and Management: A Practitioner’s Guide to Global Best Practices provides the best practices in tools and techniques for bank liquidity risk measurement and management. Experienced bankers and highly regarded liquidity risk experts share their insights and practical experiences in this book.


Direct Loan System Requirements
by Jeffrey C. Steinhoff

The Federal Financial Management Improvement Act (FFMIA) of 1996 requires, among other things, that U.S. government agencies implement and maintain financial management systems that substantially comply with federal financial management systems requirements. This checklist reflects the Joint Financial Management Improvement Program’s (JFMIP) revised Direct Loan System Requirements (June 1999) to assist (1) agencies in implementing and monitoring their direct loan systems, and (2) managers and auditors in reviewing their direct loan systems to determine if they substantially comply with FFMIA. A tool for experienced staff.

Lender Liability and Banking Litigation
by Edward F. Mannino

“Recommended…This volume explores traditional theories of lender liability along with a whole spate of new statutory and common law theories in a straightforward, well-researched and heavily annotated manner. That it remains so readable is a credit to the author.” – The Philadelphia Bar Association Retainer

This essential book shows you how to litigate lender liability suits and, when possible, prevent them from ever being filed. Lender Liability and Banking Litigation analyzes theories of liability and provides in-depth discussion of: RICO; planning, budgeting and monitoring litigation from the perspective of inside counsel; discovery, privilege and class action questions; practical aspects of trying a case; alternative dispute resolution; minimizing lender liability through documentation and administrative techniques; lawsuits against directors and officers of financial institutions; CERCLA; and lender liability and the failed bank.

The book features numerous sample litigation documents, including: counterclaims and answers by borrowers and lenders; voir dire questions and jury instructions; interrogatories; special verdicts; and a comprehensive loan agreement litigation checklist.


International Financial Markets And India
by H R Machiraju

Globalization And Opening Up Of Our Economy Has Made It Essential To Understand The Functioning Of International Financial Markets Which Are Private And Unregulated.This Book Presents An Overview Of The International Financial Markets Including Foreign Exchange Market, International Money, Banking, Equity, (Stock Exchanges) And Bond Markets.Analysis Of The Exchange Rate Of Regimes Is Presented Along With The Theory Of Determination Of Exchange Rates. The Derivative Instruments Available For Hedging Exchange And Interest Rate Risks Are Discussed At Length. The Problem Of Liquidity And The Impact Of External Debt On Economic Stability Have Been Highlighted. The Practices In Syndicated Loan Which Are Relevant For Raising External Commercial Loans Are Stated. The Functioning Of Major Stock Exchanges In Developed And Emerging Countries Has Been Examined In View Of The Interest In Listing Equity In External Markets. Finally, The Concepts And Procedures In Accessing International Equity Markets Through Adrs And Gdrs Are Explained.The Book Would Be Of Immense Use To The Students Of Economics And Mba As Well As Bankers And Corporate Executives.

State and Local Taxes Weekly
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Releases consist of report bulletins and legislative bulletins.