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

• Appropriately apply and critically evaluate the veracity of different strategies and tools used within risk management.

• Comprehend, evaluate, appreciate and assimilate the scope and constraints on bank lending imposed by law and regulation.

• 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.

• Demonstrate the ability to make informed judgements and decisions in the context of banking and financial markets;

• Develop a questioning and evaluative understanding of financial services' characteristics and where these services are appropriately and ethically employed.

• 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.