ABSTRACT

Credit management facilities, the never centre of all commercial banks operations and in its efficiency guarantees, the ability to mobilize deposit and allocate such finds to customers when have need for them.

This research work examined the credit facilities and loans management of First bank of Nigeria Plc Ughelli main branch Delta state with a view to ascertain the causes of loan failure, types of securities needed, importance of collecting securities from the prospective borrowers etc and time of loan maturity.

The findings from analysis show that first bank of Nigeria plc (delta state) recorded impressive results in the normal business operation due to the increase in assets, high deposits a vary in the credit management.

In conclusion, it was recommend that lending officers should be trained, customers, should be educated management should be flexible in the speculations of its credit management facility or policy in order to absorb the unpredictable posture of government monetary policy guidelines. Also avoid delays infestation arising from failure to secure bank facilities customers should be given current bank credit policies guidelines.