Information on this page, including unit offerings, is from the 2019 academic year.
Credit and Lending Decisions (BUS308)
|Availability||MURDOCH: S1-internal, S1-external
KAPLAN-SGP: TJA-internal, TSA-internal
|Teaching Timetables||Murdoch S1
|Description||The focus of this unit is on the key functions of the banking industry with particular emphasis on the management of lending and credit assessment. Topics include an overview of credit risk, the credit decision, management of problem loans and credit policy formulation and implementation. In addition, current credit techniques including credit scoring models and value at risk (VAR) will be addressed.|
|Unit Learning Outcomes||On successful completion of the unit students will be able to:
ULO 1: Demonstrate skill in the application of finance tools and techniques in credit and lending decisions;
ULO 2: Apply techniques for the management of the loan portfolio and the design of lending contracts;
ULO 3: Critically evaluate the use of derivative securities to manage credit risks;
ULO 4: Use financial information, along with other sources, to evaluate loan applications and design contracts to minimise loan delinquency.
ULO 5: Use knowledge of informational asymmetry, and understand the associated impact on credit and lending decisions.
|Timetabled Learning Activities||Workshops: 2 hours per teaching week for South Street campus
All offerings of this unit include the equivalent of 30 hours of structured learning.
|Unit Learning Experiences||The learning and teaching approach informing the assessment and activity selection and design in this unit are student-centred, constructivist, and outcome-based (SOLO), featuring predominantly active learning strategies with tasks that are open-ended, authentic, and scaffolded.
The unit uses blended learning which combines learning online with interactive workshops. Using this combination of online and face-to-face learning provides flexibility for all students to learn anytime (24/7), anywhere (with an Internet connection) at a pace that suits their learning style. In this unit students explore concepts online prior to workshops, through videos, audio, websites, simulations, readings, quizzes, blogs and online discussions. Workshops (online or face-to-face) are interactive and use active learning such as; guided instruction (e.g. small group and whole class discussion), role plays, simulations, case studies, scenario-based tasks, problem-based tasks, project-based tasks, presentations and enquiry-based tasks.
|Assessment||Assessment in this unit is authentic, real-world and relevant; assessments are constructive, sequential and inter-linked; requiring students to use and engage with progressively higher-order cognitive (skill-based) processes; assessments are aligned with the desired learning outcomes; and, provide challenge, interest and motivation to learn.
Assessment comprises the three assessments:
Assessment Tutorial Participation 10%
Mid Term Test 20%
Case Study/Online assignment incorporating a self-reflection learning task 20%
Final Exam 50%
|Prerequisites||BUS224/ BUS286 Corporate Finance OR BUS244/BUS288 Treasury Management|
|Exclusions||Students who have successfully completed BUS337 Credit and Lending Decisions may not enrol in this unit for credit.|
|Appears in these Courses/Majors:
see individual structures for context
|Appears in these Minors||Banking
|Internet Access Requirements||Murdoch units normally include an online component comprising materials, discussions, lecture recordings and assessment activities. All students, regardless of their location or mode of study, need to have access to and be able to use computing devices with browsing capability and a connection to the Internet via Broadband (Cable, ADSL or Mobile) or Wireless. The Internet connection should be readily available and allow large amounts of data to be streamed or downloaded (approximately 100MB per lecture recording). Students also need to be able to enter into online discussions and submit assignments online.|
Mr Ian Finlayson
Mr Ian Finlayson