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Credit Analysis and Lending (11232.2)

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

Availability

Possible changes to your unit's learning activities and assessment items

For the remainder of 2020, resulting from Australian Government's directives requiring physical distancing and restrictions on movement because of the COVID-19 pandemic, any exams that are required for assessment in a unit will be online exams. Online exams may also use online proctoring to help assure the academic integrity of those exams. Please contact your unit convener with any questions.

While the University has made efforts to ensure that Unit Outlines reflect a unit’s learning activities and assessment items, any changes to Australian Government directives because of the COVID-19 pandemic may require changes to these during the semester to ensure the safety and well being of students and staff. These changes will not be updated in the published unit outline, but will be communicated to you via your unit’s UCLearn(Canvas) teaching site. Any changes made will continue to meet the unit’s learning outcomes, as described in the Unit Outline.

Unit Outlines

To view your Unit Outline, click View to log in to MyUC and access this information, or visit your unit's online teaching site.

  • Semester 1, 2020, ON-CAMPUS, BRUCE (197941) - View
  • Semester 1, 2019, ON-CAMPUS, BRUCE (184851) - View

If a link to your Unit Outline is not displayed, please check back later. Unit Outlines are generally published by Week One of the relevant teaching period.

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.

Assessment Items

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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