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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At the completion of this subject students will be able to:
- apply constructive lending practices with due consideration of 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 information to detect different credit risk components and to make reasoned judgements appropriate to the circumstances
- integrate the spectrum of knowledge and information to generate constructive lending solutions.
- The role, main activities and organizational structures of banks
- What is risk, the classification of risk, and the management of risk process
- Major bank risks and essential components of credit risk
- Credit culture, strategies and controlling measures
- Loan pricing
- Regular forms of bank finance available to customers
- Different forms of collateral
- Principles and processes of dealing with credit applications
- Consumer credit assessment
- Understanding and interpreting financial statements
- Business credit assessment
- Existing loan account management
- Resources and Links
- Printable format materials
You will need knowledge of accounting to work out financial ratios.
No special 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.
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- Mid-study period test —Online (30%)
- Case Study - Assignment based online practical questions (30%)
- Invigilated exam (40%)