Credit and Lending
Run by Bangor Business School
15.000 Credits or 7.500 ECTS Credits
Semester 1 & 2
Organiser: Mr Ian Roberts
Overall aims and purpose
The module considers credit and lending from an applied and professional perspective. The module moves through a range of topics and issues from the critical evaluation of lending applications, identification and accommodation of legal constraints and the comprehension and practice of risk management skills required by the modern professional banker. Developing analytical, questioning, investigative and diagnostic expertise in the consideration of lending applications from both individuals and firms is central to the objectives of the module.
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. 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.
c- to c+ (50-59%): marginal failing yet compensatable work 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.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.• Knowledge of key areas/principles only;
- Weaknesses in understanding of main areas;
- Limited evidence of background study;
- Answer only poorly focussed on question and with some irrelevant material and poor structure;
- Arguments presented but lack coherence;
- Several factual/computational errors;
- No original interpretation;
- Only major links between topics are described;
B- to B+ (60-69%): 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.
Understands most but not all
- Evidence of background study
- Focussed answer with good structure
- Arguments presented coherently
- Mostly free of factual errors
- Some limited original interpretation
- Well known links between topics are described
- Problems addressed by existing methods/approaches
- Good presentation with accurate communication
Excellent standard: 70+
- 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.
Appropriately apply and critically evaluate the veracity of different strategies and tools used within risk management.
Critically assess the importance of credit and lending in a contemporary context
Critically evaluate the subject specific roles, features and relationships within and between firms.
Question, critically assess and apply apposite banking and finance theory. Critically evaluate and appropriately apply alternative strategies and tools involved in banking and/or finance.
Comprehend, evaluate, appreciate and assimilate the scope and constraints on bank lending imposed by law and regulation.
Develop a questioning and evaluative understanding of financial services' characteristics and where these services are appropriately and ethically employed.
Demonstrate the ability to make informed judgements and decisions in the context of banking and financial markets;
Teaching and Learning Strategy
This module is delivered in blended learning format. Students receive a detailed study pack comprising three units of self study. There are mandatory periods of asynchronous online teaching together with virtual online workshops. These are supplemented by optional face to face teaching at the Bangor campus at the end of semester. Students are also expected to work together in online groups on pre-assigned topics.
Three seminars of one hour are provided through the Blackboard Collaborate system. Three seminar sessions are provided to allow students to engage with the materials in a live internet based session. This is designed to encourage student interaction and discussion of study materials and module aims.
At least 5 hours of lectures provided on line and some lectures also provided in the class room for those students attending the bi-annual teaching sessions at the management centre - all lectures are recorded. These lectures are also supplemented by vidoes introducing and summarising the different elements of the module which total to a further hour of discussion
- Literacy - Proficiency in reading and writing through a variety of media
- Numeracy - Proficiency in using numbers at appropriate levels of accuracy
- Self-Management - Able to work unsupervised in an efficient, punctual and structured manner. To examine the outcomes of tasks and events, and judge levels of quality and importance
- Exploring - Able to investigate, research and consider alternatives
- Information retrieval - Able to access different and multiple sources of information
- Critical analysis & Problem Solving - Able to deconstruct and analyse problems or complex situations. To find solutions to problems through analyses and exploration of all possibilities using appropriate methods, rescources and creativity.
Subject specific skills
- An appreciation of the nature of the contexts in which finance can be seen as operating, including knowledge of the institutional framework necessary for understanding the role, operation and function of markets and financial institutions (e.g. the economic, legal, regulatory and tax environment, both national and international; the firm; the capital markets and the public sector).
- Commercial acumen: based on an awareness of the key drivers for business success, causes of failure and the importance of providing customer satisfaction and building customer loyalty.
- Articulating and effectively explaining information.
Checkley, K., & Dickinson, K. (2018). Credit Masterclass (1st ed., Vol. 1). Credit Skills Academy
Courses including this module
Compulsory in courses:
- N3BN: MBA Chartered Banker year 1 (MBA/CBDL)