AFW3841 Lending decisions
SYNOPSIS: Lending environment; decision making and organization of lending, lending policies and controls; behavioural aspects of decision making and decision-makers; retail, commercial and corporate lending; business expansions; off balance sheet lending; loan management and problem loans.
Mode of delivery: Workload:
ON-CAMPUS at Sunway This is a six credit point unit with three hours class contact per week over 12 teaching weeks. It is expected that you will spend, on average, nine hours in self-directed study each week, in addition to the three hours of class contact. Self-directed study for a particular unit may exceed nine hours during weeks preceding an in-semester test, submission of a major assignment or final examination. AFW 2401 and AFG 2631 or AFW 2631 AFF3841 Dr Sockalingam R. Ramasamy +6 03 5514 44931 Ms Sharon Cheah firstname.lastname@example.org
Prerequisites: Prohibitions: Chief examiner: Contact details: Tutor: Contact details:
SEMESTER 1, 2013
Malaysia South Africa Italy India
ACADEMIC OVERVIEW Learning objectives
The learning objectives associated with this unit are to:
1. 2. 3. 4. 5. 6. apply appropriate analysis techniques to particular loan facilities analyse the risk return characteristics (and pricing) of a loan application examine the major types of lending products and gain the ability to match these products to customer needs investigate the behavioural aspects of decision making and decision makers describe statistical techniques used in decision making at the approval, monitoring and termination stages of lending apply critical thinking, problem solving and presentation skills to individual and/or group activities dealing with lending decisions and demonstrate in an individual summative assessment task the acquisition of a comprehensive understanding of the topics covered by AFW3841.
Monash prepares its graduates to be: 1. responsible and effective global citizens who: a) engage in an internationalised world b) exhibit cross-cultural competence c) demonstrate ethical values 2. critical and creative scholars who: a) produce innovative solutions to problems b) apply research skills to a range of challenges c) communicate perceptively and effectively
Assessment summary ASSESSMENT TASK
Assignment (Tests Objectives 1, 2, 4 & 6) Final Examination (Tests Objectives 1 to 6)
Week 9: before 5.00pm Wednesday, 8 May
Official Examination Period
Hurdle requirement There is a hurdle requirement for this unit. The learning outcomes of this unit require you to demonstrate a comprehensive understanding of the topics covered in the unit. Hence the hurdle requirement for this unit requires that you must attain a mark of at least 50% in the final examination. If you fail the unit solely because of failure to Copyright © Monash University 2013 2
satisfy the hurdle requirement, a mark of 48 will be determined by the faculty's Board of Examiners on the recommendation of the unit's Chief Examiner. The outcome from application of the hurdle requirement is often misunderstood by students who are awarded 48N. For example, some students mistakenly believe that 48N means they failed the final examination by two marks and that a second re-mark of their examination paper might find two extra marks. Whereas 48N does not provide any indication of the mark attained in the final examination other than a mark less than 50% was awarded. The following example should make the application of the hurdle requirement clear. In this unit 30% of the assessment regime is allocated to in-semester assessment and 70% to the final 3-hour examination. A student enrolled in this unit might achieve 25 out of 30 for their in-semester assessment and 30 out of 70 for the final examination. While the overall total of these marks is 55P the...