JAMES COOK UNIVERSITY 
BX3135: Credit and Lending Decisions
Final Examination Guide and Notes 2023
 
Part 01. About This Guide
Part 02. Sample Final Examination Paper
Part 03. Suggested Solutions to Final Exam Paper
Part 04. Final Examination - Hints and Tips
 
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James Cook University - BX3135: Credit and Lending Decisions

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ACADEMIC YEAR 2022 - 2023

University	James Cook University
Study Level	Undergraduate
Subject Code	BX3135
Subject Name	Credit and Lending Decisions
Notes Title	Final Examination Guide and Notes
Page Length	28

This guide allows students to understand how the BX3135: Credit and Lending Decisions, James Cook University - Final Examination 2023 will be assessed, structured and the likely style and range of questions that would be asked. This self-study set has been thoroughly updated to cover all the examinable topics covered in the latest edition of the exam. You don’t need to be an expert in the subject, you just need a basic understanding and be able to quickly recall the information that you learn. You can use these notes as a reference, to understand the topics better and improve your grades in the final examination.

In this subject, students will address concerns regarding how banks process credit and lending decisions.

Topics include the basic building blocks of lending, examining the role of the intermediary and how banks overcome information Asymmetry - through transaction and relationship lending. It emphasises financial statement analysis of borrowers, both business and personal. The credit evaluation process is discussed and the credit scoring system explained. The different lending products of a bank and the purpose of each lending product are examined.

By the end of the subject, you should be able to:

assess how banks make credit and lending decisions, including critical analysis of financial statements and the operation of credit scoring systems.
appraise the influence of interest rates on economic growth and how monetary policy can influence bank lending.
synthesise the macroeconomic role of lending to small and medium sized enterprises (SMEs) and economic development.
develop a SME loan proposal.
evaluate the differences between business lending and personal lending practices.

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BU1002	Accounting for Decision Making
BU1003	Principles of Economics
BU1007	Principles of Data Analysis for Business
BU1104	Introduction to Management Concepts and Applications
BU1108	Marketing Matters
BU1112	Business Law
BX2011	Foundation of Accounting Principles
BX2012	Cost Management and Control
BX2014	Principles of Finance
BX2021	Managerial Economics
BX2022	Macroeconomic Policy
BX2031	Investment and Portfolio Analysis
BX2032	Financial Institutions and Markets
BX2122	Econometrics and Big Data Analysis
BX3011	Corporate Financial Accounting
BX3031	Multinational Business Finance
BX3112	Taxation Law
SC2202	Quantitative Methods in Science

James Cook University - BX3135: Credit and Lending Decisions

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