Credit Analysis and Lending (12089.1)
| Available teaching periods | Delivery mode | Location |
|---|---|---|
| View teaching periods | On-campus Online self-paced |
Bruce, Canberra |
| EFTSL | Credit points | Faculty |
| 0.125 | 3 | Faculty Of Business, Government & Law |
| Discipline | Study level | HECS Bands |
| Canberra Business School | Level 3 - Undergraduate Advanced Unit | Band 4 2021 (Commenced After 1 Jan 2021) Band 4 2021 (Commenced After 1 Jan Social Work_Exclude 0905) Band 5 2021 (Commenced Before 1 Jan 2021) |
Learning outcomes
After successful completion of this unit, students will be able to:1. Develop a solid understanding of the principles of credit creation and management, including lending and operational aspects of lending institutions;
2. Appraise credit-worthiness through techniques such as financial statement analysis and credit risk measurement models;
3. Critique the various credit risk management techniques; and
4. Evaluate institutions' practices in relation to their legal and ethical responsibilities to their clients.
Graduate attributes
1. UC graduates are professional - communicate effectively2. UC graduates are global citizens - adopt an informed and balanced approach across professional and international boundaries
3. UC graduates are lifelong learners - adapt to complexity, ambiguity and change by being flexible and keen to engage with new ideas
4. UC graduates are able to demonstrate Aboriginal and Torres Strait Islander ways of knowing, being and doing - apply their knowledge to working with Indigenous Australians in socially just ways
Prerequisites
11326 Financial Institutions and Markets.Corequisites
None.Incompatible units
None.Equivalent units
6402 Credit and Lending Decisions AND 11232 Credit Analysis and Lending.Assumed knowledge
None.| Year | Location | Teaching period | Teaching start date | Delivery mode | Unit convener |
|---|---|---|---|---|---|
| 2024 | Bruce, Canberra | Semester 1 | 05 February 2024 | On-campus | Prof Milind Sathye |
| 2025 | Bruce, Canberra | Semester 1 | 03 February 2025 | On-campus | Prof Milind Sathye |
| 2025 | Bruce, Canberra | Semester 1 | 03 February 2025 | Online self-paced | Prof Milind Sathye |
Required texts
Lists of required texts/readings
Sathye, M.; and Bartle, J. (2022) Credit Analysis and Lending Management, 5th Edition (ISBN 978-1-925954-27-2), Mirabel Publishing, Melbourne. The book is available at the Book Locker or Vital Source.
Recommended readings:
From time to time you may find it useful to consult the Australian accounting/banking/finance professional and academic journals as well as financial and business newspapers, including the Australian Financial Review, Business Review Weekly, National Accountant, CA Magazine, In the Black CPA, Journal of Corporate Finance, Journal of Banking and Finance, Journal of Portfolio Management, Accounting and Finance, Global Finance Journal etc These are available in UC library or through inter-library loans. It is also important that students regularly visit the websites of APRA, RBA, ABA, and others to keep themselves up-to-date with recent policy decisions.
Note also that there is a range of excellent textbooks/resources on the unit in the 麻豆村 library including the following:
Banks, E., 2016. The credit risk of complex derivatives. Springer, USA.
Basel Committee on Banking Supervision, 2023, The Basel Framework. https://www.bis.org/basel_framework/
Commonwealth Treasury Economic Round Up (various issues). Commonwealth Treasury, Canberra.
Donaldson, T.H., 1989. Credit risk and exposure in securitization and transactions. Springer, USA.
Fraser, D., Gup, B., and J. Kolari., 2007. Commercial Banking: The management of risk, John Wiley & Sons, Australia.
Gestel, T. and B. Baesens., 2009. Credit risk management: basic concepts: financial risk components, rating analysis, models, economic and regulatory capital, Oxford 麻豆村 Press. New York.
Organisation for Economic Cooperation and Development, 2006. Credit Risk and Credit Access in Asia, Organisation for Economic Cooperation and Development. Geneva.
Reserve Bank of Australia, Bulletin and Annual Reports (various issues). Reserve Bank of Australia, Sydney.
Saunders, A., 1999. Credit risk measurement: new approaches to value-at-risk and other paradigms, Wiley. Chichester. New York.
Weaver, P. and C. Kingsley., 2001. Banking and Lending Practice, Law Book Co. Sydney
Submission of assessment items
Extensions & Late submissions
All assessments are to be submitted on Canvas except final exam.
Special assessment requirements
Special assessment requirements
Information on extensions and special consideration for assessments can be found in the Student Guide to Policies.
You will obtain a pass or better in this unit if you submit each assessment item, and obtain a final cumulative mark of at least 50 percent.
Supplementary assessment
Refer to the Assessment Policy and Assessment Procedures.
Students must apply academic integrity in their learning and research activities at UC. This includes submitting authentic and original work for assessments and properly acknowledging any sources used.
Academic integrity involves the ethical, honest and responsible use, creation and sharing of information. It is critical to the quality of higher education. Our academic integrity values are honesty, trust, fairness, respect, responsibility and courage.
UC students have to complete the annually to learn about academic integrity and to understand the consequences of academic integrity breaches (or academic misconduct).
UC uses various strategies and systems, including detection software, to identify potential breaches of academic integrity. Suspected breaches may be investigated, and action can be taken when misconduct is found to have occurred.
Information is provided in the Academic Integrity Policy, Academic Integrity Procedure, and 麻豆村 of Canberra (Student Conduct) Rules 2023. For further advice, visit Study Skills.
Participation requirements
None
Required IT skills
Use of calculators, computer, web searching skills and familiarity with excel spreadsheet modelling is required
Work placement, internships or practicums
None
