Modiwl ASB-9031:
Credit and Lending
Credit and Lending 2023-24
ASB-9031
2023-24
Bangor Business School
Module - Semester 1
15 credits
Module Organiser:
Ian Roberts
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. 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 C- to C+ (50-59%): Satisfactory performance. 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 some areas. Limited evidence of background study. Answer inadequately focused on task and with some irrelevant material and poor structure. Arguments presented but lack coherence. Minor factual/computational errors. Lacking original interpretation.
Good B- to B+ (60-69%): 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 concepts/issues. Evidence of background study. Focused 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 is 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 awareness of a range of business and personal banking lending skills, techniques and practices including due diligence.
- Demonstrate critical knowledge of United Nations Principles of Responsible Banking and the role of the lender in supporting ESG initiatives.
- 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
Assessment method
Coursework
Assessment type
Summative
Description
Assignment
Weighting
40%
Due date
16/01/2024
Assessment method
Exam (Centrally Scheduled)
Assessment type
Summative
Description
Exam
Weighting
60%
Due date
11/03/2022