MOHANNAD H. ISSA, " CREDIT PORTFOLIO RISK MANAGEMENT " , "CREDIT PORTFOLIO RISK MANAGEMENT",Vol.,No., ALRAYA , JORDAN, 01/01/2010
MOHANNAD H. ISSA, " دور التكنولوجيا والاتمتة في تحسين جودة محافظ الإئتمان " , "",Vol.,No., , Amman, Jordan, 01/31/2007
This thesis addresses recent methods of credit portfolio risk management and identifies modern models used in measuring and managing the risk of banks’ credit portfolios.
This study consists of four parts as follows’:
1. Introduction, literature review, and theoretical framework.
2. The role of banks’ technology and automation in measuring credit portfolio risks.
3. Credit portfolio risk management and measurement.
4. Statistical analysis, hypothesis testing, conclusions and recommendations.
This study arrived at several conclusions, some of which are:
1- Technology and automation in Jordanian banks play an important role in analyzing and identifying credit decision elements, diversifying components of credit portfolio, internal monitoring of credit operations, managing and following up credit portfolios after the stage of unpayment , managing credit concentrations, and improving efficiency of pricing credit products.
In addition, some of the proposed recommendations are presented as follow:
1- Banks are encouraged to use high quality banks’ operations computer programs and softwares, technology, and automation, specialized in credit portfolio management and risk assessment such as CREAM system.
2- Banks should develop early warning systems which give early indications for the risk of individual loans, and use advanced systems for following up standing guarantees for banks’ credit portfolios.