Acknowledgements

The authors would like to thank the students, colleagues, and industry professionals who contributed to the development and ongoing improvement of this textbook.

Special appreciation is extended to the JR Shaw School of Business at the Northern Alberta Institute of Technology (NAIT) for supporting applied and student-focused learning within finance and business education.

This textbook was developed to help bridge foundational lending theory with real-world financial services practice. Feedback from students, instructors, and industry professionals has helped shape the practical, Canadian-focused approach used throughout this text.

The authors would also like to acknowledge the evolving financial services industry and the many professionals whose work, expertise, and commitment to responsible lending continue to influence modern credit and lending education.

Finally, thank you to the students who continue to challenge us to create learning experiences that are engaging, practical, and connected to real-world lending environments.