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Characteristics of alternative loan facilities; bank loan pricing principles; principles of credit evaluation; banker-client relationships; approaches to security and collateral; methods of monitoring borrower solvency; and workout situations.
Intended learning outcomes
On successful completion of this subject, students should be able to:
- Apply the skills of credit assessment to evaluate the credit risk of a loan facility;
- Explain the types of loan facilities and their pricing;
- Determine the most suitable facilities for a particular transaction;
- Discuss the importance of the banker client relationship and its significance in a commercial loan environment;
- Describe the characteristics of a defaulting loan;
- Recommend strategies for risk reduction;
- Analyse the issues involved in loan work out situations and other cases of financial distress;
- Explain the procedures for taking security over assets of the borrower.
On successful completion of this subject, students should have improved the following generic skills:
Application of theory to practice
Interpretation and analysis
Synthesis of data and other information
Evaluation of data and other information
Using computer software
Accessing data and other information from a range of sources.
Last updated: 3 November 2022