Lending is one of the most important functions of any financial institution. If not managed properly, it can lead to credit quality problems, threatening the existence of the financial institution. To manage the lending function properly and mitigate credit quality problems, bank loan officers should be adequately trained in risk assessment techniques. No single textbook has previously covered credit risk analysis and lending management in a comprehensive and complete manner.'Credit...

The research presented in this volume focuses on identifying and quantifying the major vulnerabilities to climate change in the Midwestern United States. By providing state-of-the-art spatially disaggregated information regarding the historical, current, and possible future climate within the region, the contributors assess the risks and susceptibility of the critical socio-economic and environmental systems. Key sectors discussed are agriculture, human health, water, energy and infrastruc...