TÜRKÇE
ENGLISH
Information
| Code | BVS238 |
| Name | The Credit Management |
| Term | 2024-2025 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 |
| Mode of study | Yüz Yüze Öğretim |
| Catalog Information Coordinator | Öğr. Gör.Dr. AYŞE BOZKURT |
| Course Instructor |
1 2 |
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
This course includes asymmetric information problem, credit analysis, financial statement analysis, techniques to be used in credit analysis, evaluation of individual/commercial/short-term/medium-term loan requests, credits that are special in evaluation, preparation of credit analysis reports, rejection of loan requests by banks.
Course Precondition
none
Resources
Banka Kredileri ve Yönetimi Dr. Birgül Şakar
Notes
Banka Kredileri ve Yönetimi notes
Course Learning Outcomes
| Order | Course Learning Outcomes |
|---|---|
| LO01 | Understand the operational processes of credit studies in banking |
| LO02 | Know the transactions made before and after the loan application. |
| LO03 | Obtain financial data about bank customers and learn to measure the payback power of loans. |
| LO04 | Learns credit assessment and decision techniques in banking. |
| LO05 | Understands the importance of follow-up and monitoring processes after credit utilization. |
| LO06 | understands the basic assessment perspectives before and after loan disbursement in credit analysis and decision processes. |
| LO07 | the organization of credit analysis reports, the rejection of credit requests by banks, identifies examples related to the subject. |
| LO08 | understands the evaluation of individual / commercial / short-term / medium-term loan requests. |
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 | Öğretim Yöntemleri: Anlatım, Tartışma, Soru-Cevap |
| 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. | general operation | Öğretim Yöntemleri: Anlatım, Soru-Cevap, Alıştırma ve Uygulama |
| 3 | The importance of collateral concept in loans | lecture | Öğretim Yöntemleri: Anlatım, Soru-Cevap |
| 4 | The importance of collateral concept in loans, grouping collateral, general qualifications sought | general operation | Öğretim Yöntemleri: Anlatım, Tartışma |
| 5 | The management of credit products in banks, corporate credit policies, credit limits, basic credit utilization principles | general operation | Öğretim Yöntemleri: Anlatım, Tartışma, Soru-Cevap |
| 6 | Basic lending principles, determination of credit limits, collateralization of loans, correct structuring and disbursement of the loan in the allocation process | lecture | Öğretim Yöntemleri: Anlatım, Soru-Cevap, Tartışma |
| 7 | Pre-evaluation of the loan, interview with the customer, determination of general needs, CBRT records and other central registry surveys | general operation | Öğretim Yöntemleri: Anlatım, Soru-Cevap |
| 8 | Mid-Term Exam | Ölçme Yöntemleri: Yazılı Sınav |
|
| 9 | Definition of financial intelligence, its implications and resources | general operation | Öğretim Yöntemleri: Anlatım, Tartışma |
| 10 | Analyzing the financial data related to the customers, making the balance sheet and income statement data suitable for analysis | lecture | Öğretim Yöntemleri: Anlatım, Tartışma |
| 11 | Financial analysis techniques-1 | lecture | Öğretim Yöntemleri: Anlatım, Soru-Cevap, Alıştırma ve Uygulama |
| 12 | Financial analysis techniques-2 | lecture | Öğretim Yöntemleri: Anlatım, Alıştırma ve Uygulama |
| 13 | Financial analysis techniques-3 | practice | Öğretim Yöntemleri: Anlatım, Soru-Cevap |
| 14 | Definition of financial analysis, importance and types | lecture | Öğretim Yöntemleri: Anlatım |
| 15 | Case Study | practice | Öğretim Yöntemleri: Anlatım, Alıştırma ve Uygulama |
| 16 | Term Exams | Ölçme Yöntemleri: Yazılı Sınav |
|
| 17 | Term Exams | Ölçme Yöntemleri: Yazılı Sınav |
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 | ||