Overview

The lecture programme will examine and critically discuss the principal areas and questions raised in credit and lending activities. The lectures will introduce the interpretations of the banker customer relationship, principles of lending and different forms of lending services. This evaluation will be complimented by discussion of issues pertinent to business lending and the use and application of securities as collateral. This discussion is developed through an assessment of problems, challenges and new practices faced by the modern professional banker including bankruptcy, credit scoring and credit risk management for businesses and banks alike.

Assessment Strategy

Threshold - 50% - C Satisfactory standard: No major omissions or inaccuracies in the deployment of information/skills. Some grasp of theoretical/conceptual/practical elements. Integration of theory/practice/information present intermittently in pursuit of the assessed work's objectives.

Good - 60% -B Much of the relevant information and skills mostly accurately deployed. Adequate grasp of theoretical/conceptual/practical elements. Fair integration of theory/practice/information in the pursuit of the assessed work's objectives. Some evidence of the use of creative and reflective skills.

High Standard: 70% -A Very good performance. Most of the relevant information accurately deployed. Good grasp of theoretical/conceptual/practical elements. Good integration of theory/practice/information in pursuit of the assessed work’s objectives. Evidence of the use of creative and reflective skills.

Excellent - Excellent standard: An outstanding performance, exceptionally able. The relevant information accurately deployed. Excellent grasp of theoretical/conceptual/practice elements. Good integration of theory/practice/information in pursuit of the assessed work's objectives. Strong evidence of the use of creative and reflective skills.

Learning Outcomes

• Demonstrate an extensive, detailed and critical knowledge and understanding of how credit risk functions, and how it plays its part in managing risk for a banking business.

• Demonstrate an extensive, detailed and critical knowledge and understanding of the legal aspects of the banker-customer relationship.

• Demonstrate awareness of a range of business banking lending skills, techniques and practices.

• Demonstrate detailed knowledge and understanding of diligence and bankruptcy.

• Demonstrate detailed knowledge and understanding of the procedures for taking the range of securities for advances.

• Describe in detail the principles of lending and the main lending and credit products.

• Interpret and assess business accounts, including identifying, formulating and solving business problems and assessing and managing risk in a business banking context.