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This module explores the key areas surrounding Credit and Lending, starting with the relationship between the banker & customer, through business lending procedures and ends with credit risk practices for each type of bank (retail, business and commercial). Students studying the module will develop a detailed and critical knowledge and understanding of credit and lending in the banking industry and will also develop a range of banking skills, techniques and practices at a professional level

Aims & Objectives

On completing this module, students will be able to:

• Demonstrate an extensive, detailed and critical knowledge of the legal aspects of the banker – customer relationship
• Describe in detail the principles of lending and the main lending and credit products
• Demonstrate detailed knowledge and understanding of the procedures for taking a range of securities for advances
• Exercise a range of business banking lending skills, techniques and practices and interpret and assess business accounts, including identifying, formulating and solving business problems and assessing and managing risk in a business banking context
• Demonstrate detailed knowledge and understanding of diligence and bankruptcy
• Demonstrate an extensive, detailed and critical understanding of how the credit risk functions, and how it plays its part in managing risk for a banking business

Learning Methods

What will you study on this course?

Unit 1 covers: The aim of Unit 1 is to introduce Credit and Lending and to explain the main themes that run throughout the module. The structure of the module is outlined, and the main text introduced. An overview is provided of Credit Risk Management and its role in the modern financial services industry. The imperative is on a structured and practical approach to maximise profitability within the Lending portfolio. These issues are explored as important themes in modern Credit Risk Management. A fundamental approach of this module is that Credit and Lending is a central element of practical bank financial management. Indeed, a high percentage of most Commercial Banks assets are employed in the Lending portfolio. The module recommended textbook adopts the same practical approach. This approach enables Credit and Lending to be explored within its most appropriate bank strategic and managerial function, bank financial management.

Unit 2 covers: The aim of Unit 2 Part 1 is to introduce Retail Credit- Small Business Lending and to explain several tools and techniques to assist the Lender in the evaluation of Credit risk. We will review the economic setting and importance of the SME sector. The imperative is again on a structured and practical approach to maximize profitability within the Lending portfolio.

The aim of Unit 2 Part 2 is to introduce Large Company analysis and valuation; together with Stock Market performance indicators and the use of financial models to predict corporate distress. The imperative is again on a structured and practical approach to maximize profitability within the Lending portfolio. These issues are explored as important themes in modern Credit risk management. A fundamental approach of this module is that Credit and Lending is a central element of practical bank financial management.

Unit 3 covers: The aim of Unit 3 is to examine in Part 1 of this unit the specialised lending topic of structured finance and project finance. In part 2, to examine the specialised lending topic of Object Finance and to understand how financial engineering techniques can reduce the cost of capital in these complex financing projects. The imperative is again on a structured and practical approach to maximise profitability within the Lending portfolio. These issues are explored as important themes in modern Credit risk management.

The cost of this course is £1,700

Aimed at mid-career professionals working in the financial industry or regulation. Entry consideration will be given to individuals with minimal experience or qualifications.
 

English Language Requirements

Applicants must have a high level of fluency in the English language. The English language tests we normally refer to are as follows;

• IELTS: 6.0 (with no element below 5.5)
• Pearson PTE: a score of 56 (with no element lower than 51)
• Cambridge English Test – Advanced: 169 (with no element lower than 162)

How to Apply

Please make sure you read and follow the step-by-step application guide as this will specify which sections of the application form are compulsory for the type of course you want to apply for and save you time.

Please prepare the following information (in a Word document):

• Current employment details;
• Years of experience, and employment history (where relevant)
• Name of staff member and organisation that have approved your funding for this module.

• This will speed up the process of completing the application form.