Assessing credit risk management of Zenith Bank Ghana
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Date
2015
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Abstract
This study sought to assess the credit risk management of Zenith Bank Ghana with
focus on the credit staff of the bank. The objective of the study was to identify the
knowledge of and adherence to credit risk management, factors affecting the credit risk
management causing problem loans as well as mechanisms in place to mitigate problem
loans. Probability sampling was employed to select 30 credit staff who answered
questionnaires. The study revealed that the bank has laid down organizational policies
and practices regarding risk management and that there was an enforcement policy in
place to ensure adherence. Poor credit appraisal and poor loan monitoring were brought
to the fore as some of the causes of problem loans. Based on the findings of the study,
recommendations such as education and training of credit staff, intensification of
monitoring of the credit staff by management among others have been proposed.
Description
A thesis Submitted to School of Business, Kwame Nkrumah
University of Science and Technology in partial fulfillment of the requirements for the degree of Master of Business Administration (Finance),