Tally the factors that relate to credit risk assessments and bank lending practices. Explore the main activities of banks whilst getting an overview of their organisational structure. Define risk as it relates to lending and credit culture.
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- 29 Aug 2022
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At the completion of this subject students will be able to:
- apply constructive lending practices with due consideration of appropriate forms of finance, loan pricing, collateral types and the interactive relationship between different banking activities, structures and risks
- apply knowledge of credit risk assessment principles and processes to conduct proficient credit risk assessment
- analyse lending portfolio information to detect intrinsic and concentration credit risk and to make reasoned judgement that is appropriate to the circumstances
- create constructive lending solutions and loan portfolio management
- evaluate the practices of Islamic banks and conventional banks in terms of lending principles and different forms of finance
- The role, main activities and organizational structures of banks
- Major bank risks and essential components of credit risk management
- Loan pricing
- Regular forms of finance and different forms of collateral
- Principles that banks apply when dealing with credit applications and assessment of consumer credit applications
- Understanding and interpreting the financial statements of businesses
- Assessment of business credit applications
- Loan account management and analysing loan portfolio information
- Loan loss provision transfer methods
- Islamic bank lending
You will need knowledge of accounting to work out financial ratios.
No additional requirements
This subject was previously known as BAN22 Lending.
This subject 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. Students are also familiarised with Islamic bank lending conducted by Sharia banks.
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Find out more about the Academic Integrity module.
- Case study – Credit risk assessment of consumers and businesses (25%)
- eTest (25%)
- Assignment (50%)
Current study term: 28 Aug 22 to 27 Nov 22
Check the learning management system (LMS) of your university for textbook details.