Key words
Credit, IWETO-code: S181 Financial Sciences
Objectives
The students have to be able to negotiate about a credit with regard to the risk, the different forms of credit and certainties and starting form concrete situations.
The student has to acquire insight in the different sorts of credit and guarantees according to various starting points of a company.
Next to being critical, students have to learn to work accurately, obtain an analytical insight, being empathic and work in a discrete way.
Topics
- Research into the creditworthiness
- File of credit
- Credits on short and long term for both private individuals as companies
- Credit of autographs
- Certainties
- Cases
Prerequisites
Basic knowledge about financial analysis and financial algebra.
Documents in the national and international trade.
Final Objectives
Knowledge
Job-related (specific):- Knowledge of the specific legislation and regulation on the financial products that are offered
- Knowledge of the products of finances, their possibilities and limitations
- Knowledge of the evolutions in own fields of study
- Knowledge of the technical terminology
- Knowledge of the techniques of risk management
Skills
General:- Working independently
- Thinking and reasoning power
- Acquiring and assimilating information
Job-related (general):- Ability to look up information efficiently
- Ability to argue
- Ability to handle numerical data
- Ability to think in an analytical and problem-solving way
- Thinking logically
Job-related (specific):- Inform and give advice to clients in the field of credits
- Ability to identify and analyse the needs of clients
- Ability to deduct quickly the financial status of a company from an annual account
- Ability to calculate the output and real cost of a credit
- Ability to compare the products and give advice in compliance with the economical situation of the client
Attitudes
General:- Being critical
- Precision and accuracy
Job-related (general):
Job-related (specific):- Sense of overview
- When talking to client be evidence of commercial insight, empathy, persuasiveness and awareness of quality
- Sense of structure
- Eagerness to work with numerical data
- Decisiveness
Materials used
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Syllabus
Study costs
Syllabus at the unit price determined under Hogeschool rules.
Study guidance
The student can go to the lecturer for individual problems.
Teaching Methods
Lectures with exercises in class
Cases
Guided self-study: guiding while trying to solve the cases.
Assessment
- First exam session: written exam 70% and continuous assessment 30%
- Second exam session: written exam 100%
Students only enrolled for taking the exams:- First exam session: written exam 70% and individual assignment 30%
- Second exam session: written exam 100%
Lecturer(s)
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