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Credit Analysis and Lending (11232.2)

Level: Intermediate Unit Level
Credit Points: 3
HECS Bands: 2, 3
Faculty: Faculty of Business, Government & Law
Discipline: School of Business

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Unit Outlines

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  • Semester 1, 2019, ON-CAMPUS, BRUCE (184851) - View

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Syllabus

This unit encompasses the study of credit origination, analysis and management, including the lending functions, of financial services firms, particularly commercial banks, credit unions and investment banks. It covers the principles of lending, credit risk management and modelling, analytical tools to judge credit worthiness of prospective borrowers, analysis of business and personal loans, small business finance, corporate lending, project finance, leasing, securitisation, at both the individual transaction and loan portfolio management levels. It includes consideration of the regulatory aspects of credit risk management, problems loan management and the evolution of risk management approaches including credit derivatives. This unit also covers the legal and ethical responsibilities lending institutions have towards their clients.

Learning Outcomes

After successful completion of this unit, students will be able to:

1. Develop a solid understanding of the principles of credit creation and management, including lending and operational aspects of lending institutions;

2. Appraise credit-worthiness through techniques such as financial statement analysis and credit risk measurement models;

3. Critique the various credit risk management techniques; and

4. Evaluate institutions' practices in relation to their legal and ethical responsibilities to their clients.

Contact Hours

One 2 hour lecture and one 1 hour tutorial on-campus per week.

Prerequisites

11326 Financial Institutions and Markets.

Corequisites

None.

Assumed Knowledge

None.

Incompatible Units

None.

Equivalent Units

6402 Credit and Lending Decisions.



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