Credit Analysis and Lending (11232.2)
|Available teaching periods||Delivery mode||Location|
|View teaching periods|| Flexible
|| UC - Canberra, Bruce
|0.125||3||Faculty Of Business, Government & Law|
|Discipline||Study level||HECS Bands|
|Canberra Business School||Level 2 - Undergraduate Intermediate Unit|| Band 3 2013-2020 (Expires 31 Dec 2020)
Band 4 2021 (Commenced After 1 Jan 2021)
Band 4 2021 (Commenced After 1 Jan Social Work_Exclude 0905)
Band 5 2021 (Commenced Before 1 Jan 2021)
Learning outcomesAfter 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.
Graduate attributes1. UC graduates are professional - employ up-to-date and relevant knowledge and skills
1. UC graduates are professional - communicate effectively
1. UC graduates are professional - use creativity, critical thinking, analysis and research skills to solve theoretical and real-world problems
1. UC graduates are professional - work collaboratively as part of a team, negotiate, and resolve conflict
1. UC graduates are professional - display initiative and drive, and use their organisation skills to plan and manage their workload
1. UC graduates are professional - take pride in their professional and personal integrity
2. UC graduates are global citizens - think globally about issues in their profession
2. UC graduates are global citizens - adopt an informed and balanced approach across professional and international boundaries
2. UC graduates are global citizens - understand issues in their profession from the perspective of other cultures
Prerequisites11326 Financial Institutions and Markets.
|Year||Location||Teaching period||Teaching start date||Delivery mode||Unit convener|
|2021||UC - Canberra, Bruce||Semester 1||08 February 2021||Flexible||Prof Milind Sathye|
|2022||UC - Canberra, Bruce||Semester 1||07 February 2022||Flexible||Prof Milind Sathye|
Lists of required texts/readings
Sathye, M.; and Bartle, J. (2017) Credit Analysis and Lending Management, 4th Edition, Mirabel Publishing, Melbourne. The book is available at the Book Locker.
From time to time you may find it useful to consult the Australian accounting/banking/finance professional and academic journals as well as financial and business newspapers, including the Australian Financial Review, Business Review Weekly, National Accountant, CA Magazine, In the Black CPA, Journal of Corporate Finance, Journal of Banking and Finance, Journal of Portfolio Management, Accounting and Finance, Global Finance Journal etc These are available in UC library or through inter-library loans. It is also important that students regularly visit the websites of APRA, RBA, ABA, and others to keep themselves up-to-date with recent policy decisions.
Note also that there is a range of excellent textbooks/resources on the unit in the University library including the following:
Banks, E. (2004) The credit risk of complex derivatives, Palgrave-MacMillan. New York.
Basel Committee on Banking Supervision, 2005, International Convergence of Capital Measurement and Capital Standards, Revised Framework; www.bis.org/publ/bcbs118.pdf
Commonwealth Treasury Economic Round Up. Commonwealth Treasury, Canberra.
Donaldson, T. (1989) Credit risk and exposure in securitization and transactions, St. Martin's Press. New York.
Dow Jones Reuters Business Interactive LLC. (2000) Credit risk management report [electronic resource]. Phillips Publications. Potomac. USA.
Fraser, D., Gup, B., and J. Kolari (2007) Commercial Banking: The management of risk, John Wiley & Sons, Australia.
Gestel, T. and B. Baesens (2009) Credit risk management: basic concepts: financial risk components, rating analysis, models, economic and regulatory capital, Oxford University Press. New York.
Gray, B and C. Cassidy (1997) Credit risk in banking: proceedings of a conference at H.C. Coombs Centre for Financial Studies, Reserve Bank of Australia, Sydney.
Heffernan, S. (2005) Modern Banking, John Wiley & Sons, Chichester, England.
Organisation for Economic Cooperation and Development (2006) Credit Risk and Credit Access in Asia, Organisation for Economic Cooperation and Development. Geneva.
Reserve Bank of Australia, Bulletin and Annual Reports. Reserve Bank of Australia, Sydney.
Saunders, A. (1999) Credit risk measurement: new approaches to value-at-risk and other paradigms, Wiley. Chichester. New York.
Weaver, P. and C. Kingsley (2001) Banking and Lending Practice, Law Book Co. Sydney
Submission of assessment items
Extensions & Late submissions
All assessments are to be submitted on Canvas except final exam.
Special assessment requirements
Information on extensions and special consideration for assessments can be found in the Student Guide to Policies.
You will obtain a pass or better in this unit if you submit each assessment item, and obtain a final cumulative mark of at least 50 percent.
Required IT skills
Use of calculators, computer, web searching skills and familiarity with excel spreadsheet modelling is required
Work placement, internships or practicums