SRJC Course Outlines

12/1/2020 4:05:12 PMBGN 156 Course Outline as of Fall 2018

New Course (First Version)
CATALOG INFORMATION

Discipline and Nbr:  BGN 156Title:  CREDIT LENDING ANALYSIS  
Full Title:  Credit and Lending Analysis
Last Reviewed:1/22/2018

UnitsCourse Hours per Week Nbr of WeeksCourse Hours Total
Maximum3.00Lecture Scheduled3.0017.5 max.Lecture Scheduled52.50
Minimum3.00Lab Scheduled06 min.Lab Scheduled0
 Contact DHR0 Contact DHR0
 Contact Total3.00 Contact Total52.50
 
 Non-contact DHR0 Non-contact DHR Total0

 Total Out of Class Hours:  105.00Total Student Learning Hours: 157.50 

Title 5 Category:  AA Degree Applicable
Grading:  Grade Only
Repeatability:  00 - Two Repeats if Grade was D, F, NC, or NP
Also Listed As: 
Formerly: 

Catalog Description:
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Fundamentals of credit and loan analysis; overview of financial statements; nature of credit and debt; credit and borrower risk analysis; cash flow analysis.

Prerequisites/Corequisites:


Recommended Preparation:
Eligibility for ENGL 100 or ESL 100

Limits on Enrollment:

Schedule of Classes Information
Description: Untitled document
Fundamentals of credit and loan analysis; overview of financial statements; nature of credit and debt; credit and borrower risk analysis; cash flow analysis.
(Grade Only)

Prerequisites:
Recommended:Eligibility for ENGL 100 or ESL 100
Limits on Enrollment:
Transfer Credit:
Repeatability:00 - Two Repeats if Grade was D, F, NC, or NP

ARTICULATION, MAJOR, and CERTIFICATION INFORMATION

Associate Degree:Effective:Inactive:
 Area:
 
CSU GE:Transfer Area Effective:Inactive:
 
IGETC:Transfer Area Effective:Inactive:
 
CSU Transfer:Effective:Inactive:
 
UC Transfer:Effective:Inactive:
 
C-ID:

Certificate/Major Applicable: Certificate Applicable Course



COURSE CONTENT

Student Learning Outcomes:
Upon completion of the course, students will be able to:
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1.  Understand and explain the nature of credit and debt
2.  Explain what comprises a set of financial statements
3.  Evaluate the risks in granting credit
 

Objectives: Untitled document
Upon completion, students will be able to:
1. Interpret financial statements for the purpose of extending credit
2. Evaluate cash flow to determine ability to repay debt
3. Evaluate a borrower's credit history
4. Analyze the risk potential of borrowers

Topics and Scope
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I. Overview of Financial Statements
II. The Goals and Nature of Credit Analysis
III. Capital Structure and Debt Capacity
IV. Fundamentals of Financial Analysis
V. Credit, Risk, Cash Flow, and Capital Structure
VI. Principles of Extending Borrower Credit
    A. Consumer Credit
    B. Corporate Credit
    C. Financial Institution Credit
    D. Credit History
VII. Cash Flow Analysis and Forecasting
    A. Debt Service Ratio
    B. Net Operating Income
VIII. The Process of Credit Analysis - Making Credit Decisions
IX. Sources of Information, including FICO (Fair Isaac Corporation) Scores and Tax Returns

Assignments:
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1. Textbook readings of 25-45 pages weekly
2. Written homework including case studies
3. Quizzes and exams (2 -15)
4. Homework problems including computational problems

Methods of Evaluation/Basis of Grade.
Writing: Assessment tools that demonstrate writing skill and/or require students to select, organize and explain ideas in writing.Writing
30 - 40%
Written homework, case studies
Problem solving: Assessment tools, other than exams, that demonstrate competence in computational or non-computational problem solving skills.Problem Solving
20 - 30%
Homework problems
Skill Demonstrations: All skill-based and physical demonstrations used for assessment purposes including skill performance exams.Skill Demonstrations
0 - 0%
None
Exams: All forms of formal testing, other than skill performance exams.Exams
30 - 50%
Quizzes and exams
Other: Includes any assessment tools that do not logically fit into the above categories.Other Category
0 - 0%
None


Representative Textbooks and Materials:
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Fundamentals of Credit and Credit Analysis. Ziegel, Arnold. CreateSpace Independent Publishing Platform. 2015

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