Key words
Credit, IWETO-code: S190 Corporate Policy, S181 Financial Sciences
Objectives
As future accountant the student has to know how the bank deals with a credit application. In order to be able to do this, he has to gain insight in the frequently used forms of credit, the advantages and disadvantages and the costs linked to it. In this way he will be able to choose the most appropriate form of credit and negotiate optimal securities for a specific need of credit and be able to give advice to his customers. Next to being critical, being accurate, having analytical insight, empathy and discretion, skills and attitudes are needed.
Topics
- Investigation creditworthiness and analysis of risks
- File of credit
- Credits on long and short term for companies (and private individuals)
- Certainties for guaranteeing the credits
- The whole is rounded off with case-studies as preparation for practice
Prerequisites
Basic principles of documents of trade.
Basic competencies of financing and financial documents, management and financial analysis.
Final Objectives
Knowledge
Job-related (specific):- Knowledge of frequently used credit forms
- Knowledge of certainties of guaranteeing the credits
Skills
General:- Thinking and reasoning power
- Being critical
Job-related (general):- Judging offered knowledge (being critical)
- Ability to analyse documents
- Analysing information and tracing anomalies
- Ability to handle numerical data
- Ability to think in an analytical and problem-solving way
Job-related (specific):- Ability to choose the most suitable credit form
- Follow the financial and economical reality through professional literature
- Ability to negotiate about an optimal certainty of a specific credit need
- Ability to formulate advice concerning a specific credit need
Attitudes
General:
Job-related (general):- Oriented at granting service
Job-related (specific):- Vigilance concerning the confidentiality
- Commercial insight, empathy, persuasiveness and awareness of quality when coming into contact with the customer
- Willingness to gain advice yourself
Materials used
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Syllabus and copies
Study costs
Unit price determined under Hogeschool rules.
Costs linked to the performance of various assignments.
Study guidance
Individual problems of study can always be handled.
Teaching Methods
Lectures
Doctrinal talk on education
Cases: didactic teamwork
Training schedules of software
Assessment
- First exam session: 70% written exam and 30% continuous assessment
- Second exam session: 100% written exam
Students only enrolled for taking the exams:- First exam session: 70% written exam and 30% individual assignment
- Second exam session: 100% written exam
Lecturer(s)
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