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Corpus ID: 168064228. AN ANALYSIS OF CREDIT MANAGEMENT IN THE BANKING INDUSTRY (A CASE STUDY FIRST BANK OF NIGERIA PLC. ENUGU.). Banks should also consider the relationships between credit risk and other risks. The effective management of credit risk is a critical component of a credit management on the financial performance of commercial banks in Uganda from Bank of International Settlement website : bis.orgpublbcbsc125.pdf. Needless to say, when banking was simple, credit risk management was also straightforward. Lending decisions were made on impressionistic basis as the banks. Concept of Credit Management: Banks and financial institutions mobilize deposits and utilize them for lending. Generally lending business is encouraged asCREDIT MANAGEMENT AND BANK LENDING CREDIT MANAGEMENT AND BANK LENDING CHAPTER ONE.