The authors have extensively revised their original best-selling book to take in the latest practice and current economic and regulatory environment. This book's 13 chapters provide an overview of the credit process; revision of financial and non-financial information assessment; evaluation of the methods of analysing performance and profitability; liquidity, cash flow and general capital structures, discussion of forecasting, bankruptcy, group accounts and monitoring. This essential book also includes discussion of credit analysis issues specific to deposit-taking institutions, property companies, unquoted companies and the pricing of corporate lending.