Undergraduate CUR-BAN22-2019

Bank Lending

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.

2019

Student rating

4.83

Study method

100% online

Available loans

FEE-HELP
HECS-HELP

Assessments

Subjects may require attendance

Prior study

Not required

Start your career with Curtin’s globally recognised courses and extensive industry connections. Through OUA, our online courses offer an interactive and collaborative learning experience that gets you the same degree as if you studied on campus. Curtin is a global university with a vibrant culture of innovation and collaboration and is ranked in the top one per cent of universities worldwide.

University ranking

Subject details

What you'll learn

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.

Topics covered

- 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
Study resources
- Online materials
  - Resources and Links
  - Printable format materials
  - Quizzes

Entry requirements

Others

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

Special requirements

No special requirements

Description

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.

Please Note: If it’s your first time studying a Curtin University subject you’ll need to complete their compulsory ‘Academic Integrity Program’. It only takes two hours to complete online, and provides you with vital information about studying with Curtin University. The Academic Integrity Program is compulsory, so if it’s not completed your subject grades will be withheld.

Find out more about the Academic Integrity module.

Assessments

Mid-study period test —Online (30%)
Case Study - Assignment based online practical questions (30%)
Invigilated exam (40%)

Textbooks