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Lending constitutes one of the most important functions of any financial institution. In a typical bank, around 70% of funds are invested in loans and advances. As we have seen with the global financial crisis, if the lending function is not managed properly, it can lead to serious credit quality issues that can have a destabilising effect on individual lenders and ultimately on the financial system. To manage the lending function properly, and to mitigate credit quality problems, adequately trained staff are required. The goal of this course is to equip students with requisite skills toward this end.

Business firms extend credit, banks extend loans. The focus of this course is credit analysis and lending. It provides an overview of lending principles, covers analytical aspects such as the financial analysis of a firm to determine credit worthiness, provides an overview of policy and legal issues, and looks at special types of credits like consumer loans, real estate loans, corporate loans and international loans. It also covers related topics such as securitisation, portfolio management and problem loan management.

On successful completion of this course, students should be able to:

1. synthesise credit assessment and lending knowledge, concepts, regulations, theories, principles and processes relevant to bank loans officers across a range of banking activities and loan types;
2. think critically, constructively and logically about lending issues, ethical issues, theories and problems arising from asymmetric information and strategies that banks use to lessen the negative impacts of such problems;
3. apply the tools of credit analysis and lending management to solve problems faced by banks in assessing loans and managing loan portfolios;
4. confidently and coherently communicate insights gleaned through financial statement analysis and credit assessment of borrowers to an appropriate audience;
5. demonstrate the information literacy skills required of a financial services professional through reading and interpreting financial statement information and other relevant financial metrics and discussing loan products and facilities and other banking services.