TÜRKÇE
ENGLISH
Information
| Unit | KOZAN VOCATIONAL SCHOOL |
| Code | BVS238 |
| Name | The Credit Management |
| Term | 2018-2019 Academic Year |
| Semester | 4. Semester |
| Duration (T+A) | 2-0 (T-A) (17 Week) |
| ECTS | 3 ECTS |
| National Credit | 2 National Credit |
| Teaching Language | Türkçe |
| Level | Ön Lisans Dersi |
| Type | Normal |
| Label | C Compulsory |
| Mode of study | Yüz Yüze Öğretim |
| Catalog Information Coordinator | Öğr. Gör. Dr. AYŞE BOZKURT EKMEKÇİOĞLU |
| Course Instructor |
Öğr. Gör. Dr. AYŞE BOZKURT EKMEKÇİOĞLU
(Bahar)
(A Group)
(Ins. in Charge)
|
Course Goal / Objective
The aim of the course is to transfer the principles of application and follow-up of the basic evaluation views before and after loan disbursement in loan analysis and decision processes in banking with theoretical and practical examples and to gain knowledge and skills in this subject with case studies
Course Content
In this course, asymmetric information problem, credit analysis, financial chart analysis, techniques to be used in loan analysis, evaluation of individual / commercial / short term / medium term loan demands, loans that are characterized by evaluation, regulation of loan analysis reports, examples
Course Precondition
Resources
Notes
Course Learning Outcomes
| Order | Course Learning Outcomes |
|---|---|
| LO01 | Understand the operational processes of credit studies in banking |
| LO02 | The transactions made before and after the use of the loan will be known |
| LO03 | Objective analysis and decisions will be made to obtain financial data related to bank customers and to measure credit repayment power |
| LO04 | By learning credit evaluation and decision techniques in banking, decisions can be made through practical examples. |
| LO05 | The prospect of follow-up and monitoring processes after loan disbursement will be understood |
Relation with Program Learning Outcome
| Order | Type | Program Learning Outcomes | Level |
|---|---|---|---|
| PLO01 | Bilgi - Kuramsal, Olgusal | Students have current theoretical knowledge in basic level related to Banking and Insurance. | 4 |
| PLO02 | Bilgi - Kuramsal, Olgusal | Students have current practical knowledge at basic level related to Banking and Insurance. | 4 |
| PLO03 | Bilgi - Kuramsal, Olgusal | Students are able to use the basic level theoretical and practical knowledge in the field of Banking and Insurance in a field of advanced education or at the same level. | 4 |
| PLO04 | Bilgi - Kuramsal, Olgusal | Defines the basic knowledge and skills related to the banking and insurance profession. | 4 |
| PLO05 | Yetkinlikler - Bağımsız Çalışabilme ve Sorumluluk Alabilme Yetkinliği | Works independently and defines responsibilities on basic level issues related to the banking and insurance profession. | |
| PLO06 | Yetkinlikler - Bağımsız Çalışabilme ve Sorumluluk Alabilme Yetkinliği | Demonstrates responsibility as a team member to solve complex and unforeseen problems encountered in applications related to the banking and insurance profession. | |
| PLO07 | Yetkinlikler - İletişim ve Sosyal Yetkinlik | Organizes activities for the development of employees under her responsibility within the framework of a project. | |
| PLO08 | Yetkinlikler - Öğrenme Yetkinliği | Sorts their own knowledge and skill level critically, identifies their learning needs. | |
| PLO09 | Yetkinlikler - Alana Özgü Yetkinlik | Raises professional development to a higher level. | |
| PLO10 | Yetkinlikler - Bağımsız Çalışabilme ve Sorumluluk Alabilme Yetkinliği | Students have the awareness of lifelong learning. | |
| PLO11 | Yetkinlikler - İletişim ve Sosyal Yetkinlik | Expresses his/her thoughts through written and verbal communication at the level of basic knowledge and skills on banking and insurance profession. | |
| PLO12 | Yetkinlikler - İletişim ve Sosyal Yetkinlik | Know a foreign language at basic level, follow the information related to the profession and communicate with colleagues in a foreign language. | |
| PLO13 | Beceriler - Bilişsel, Uygulamalı | Understands computer operating systems, office applications, information and communication technologies. | |
| PLO14 | Yetkinlikler - Alana Özgü Yetkinlik | It has social, scientific, cultural and ethical values in the stages of collecting, implementing and announcing the data related to the field. | |
| PLO15 | Yetkinlikler - İletişim ve Sosyal Yetkinlik | The history of our republic, basic values, the universality of social rights, social justice, quality and cultural values, environmental protection, occupational health and safety has sufficient consciousness. |
Week Plan
| Week | Topic | Preparation | Methods |
|---|---|---|---|
| 1 | Problems with information asymmetry and asymmetric information problem | lecture | |
| 2 | The overall organizational structure of credit products in commercial banks, the main risks that banks face, the main factors affecting the cost and structure of resources. | lecture | |
| 3 | The importance of collateral concept in loans, grouping collateral, general qualifications sought | lecture | |
| 4 | The importance of collateral concept in loans, grouping collateral, general qualifications sought | lecture | |
| 5 | The management of credit products in banks, corporate credit policies, credit limits, basic credit utilization principles | lecture | |
| 6 | Basic lending principles, determination of credit limits, collateralization of loans, correct structuring and disbursement of the loan in the allocation process | lecture | |
| 7 | Pre-evaluation of the loan, interview with the customer, determination of general needs, CBRT records and other central registry surveys | lecture | |
| 8 | Mid-Term Exam | ||
| 9 | Definition of financial intelligence, its implications and resources | lecture | |
| 10 | Analyzing the financial data related to the customers, making the balance sheet and income statement data suitable for analysis | lecture | |
| 11 | Financial analysis techniques-1 | lecture | |
| 12 | Financial analysis techniques-2 | lecture | |
| 13 | Financial analysis techniques-3 | lecture | |
| 14 | Definition of financial analysis, importance and types | lecture | |
| 15 | Case Study | lecture | |
| 16 | Term Exams | ||
| 17 | Term Exams |
Assessment (Exam) Methods and Criteria
| Assessment Type | Midterm / Year Impact | End of Term / End of Year Impact |
|---|---|---|
| 1. Midterm Exam | 100 | 40 |
| General Assessment | ||
| Midterm / Year Total | 100 | 40 |
| 1. Final Exam | - | 60 |
| Grand Total | - | 100 |
Student Workload - ECTS
| Works | Number | Time (Hour) | Workload (Hour) |
|---|---|---|---|
| Course Related Works | |||
| Class Time (Exam weeks are excluded) | 14 | 2 | 28 |
| Out of Class Study (Preliminary Work, Practice) | 14 | 2 | 28 |
| Assesment Related Works | |||
| Homeworks, Projects, Others | 0 | 0 | 0 |
| Mid-term Exams (Written, Oral, etc.) | 1 | 6 | 6 |
| Final Exam | 1 | 16 | 16 |
| Total Workload (Hour) | 78 | ||
| Total Workload / 25 (h) | 3,12 | ||
| ECTS | 3 ECTS | ||