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Commercial Bank Lending: Process, Credit Scoring, and Costs of Errors in Lending

Despite the proliferation of banking services, the basic commercial and industrial lending process remains the lifeblood of commercial banks and other banking institutions. The lending process is a relatively straightforward series of activities involving two principal parties whose association ranges from the initial loan request to the successful or unsuccessful repayment of the loan. Most students of banking would agree that the process is an interdependent one, but the exact dependencies are rarely articulated in a rigorous manner. One of the purposes of this paper is to investigate the association between at least two important aspects of the lending process, namely, the credit evaluation stage and the sequence of events that describes and quantifies the charge-off and subsequent recovery experience.