Bank Lending - 2017

Unit summary


  • Level of Study: Undergraduate Level 2
  • Study load: 0.125 EFTSL
  • Delivery method: Fully Online
  • Prerequisites: Yes
  • Duration: 13 weeks
  • Government loans available: FEE-HELP, HECS-HELP
  • Availability for 2017: SP1 , SP3
  • Availability for 2018: SP1 , SP3
  • Assessment: Case Study (30%) , Invigilated Exam (40%) - Learn more

Unit provided by

2017 Fees
Domestic 1,324.00
HECS 1,324.00
International 1,574.00

This unit was previously known as BAN22 Lending.

This unit addresses the sphere of aspects that are related to the proficient credit risk assessment of consumers and businesses from a banking perspective. The content includes: the role, main activities and organisational structures of banks; essential components of credit risk management and the principles and process of dealing with credit risk assessment.

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Find out more about the Academic Integrity module.

At the completion of this unit students will be able to:

  1. apply constructive lending practices with due consideration of the interactive relationship between different banking activities, structures and risks
  2. apply knowledge of credit risk assessment principles and processes to conduct proficient credit risk assessment
  3. analyse lending information to detect different credit risk components and to make reasoned judgements appropriate to the circumstances
  4. integrate the spectrum of knowledge and information to generate constructive lending solutions.
  • Case Study (30%)
  • Invigilated Exam (40%)
  • Mid-study period test — Assignment based (30%)
For more information on invigilated exams see Exams and results

You will need knowledge of accounting to work out financial ratios.

This unit addresses the following topics.

1The role, main activities and organizational structures of banks
2What is risk, the classification of risk, and the management of risk process
3Major bank risks and essential components of credit risk
4Credit culture, strategies and controlling measures
5Loan pricing
6Regular forms of bank finance available to customers
7Different forms of collateral
8Principles and processes of dealing with credit applications
9Consumer credit assessment
10Understanding and interpreting financial statements
11Business credit assessment
12Existing loan account management

This unit is delivered using the following methods and materials:

Online materials

  • Printable format materials
  • Quizzes
  • Resources and Links

This unit is not currently a requirement for any courses, but may be eligible for credit.

  1. Many undergraduate courses on offer through OUA include 'open elective' where any OUA unit can be credited to the course. You need to check the Award Requirements on the course page for the number of allowed open electives and any level limitations.
  2. In other cases, the content of this unit might be relevant to a course on offer through OUA or elsewhere. In order to receive credit for this unit in the course you will need to supply the provider institution with a copy of the Unit Profile in the approved format, which you can download here. Note that the Unit Profile is set at the start of the year, and if textbooks change this may not match the Co-Op textbook list.

Textbooks are subject to change within the academic year. Students are advised to purchase their books no earlier than one to two months before the start of a unit.

Click on the titles of the listed books below to find out more:

Required textbooks

  • Bank Lending Theory and Practice

    By:Tom Cronje & Apriani Atahau

    ISBN: 9781760421564


    Supplier:Go to The Co-op Bookshop

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