Westpac Group Advanced Lending Pathway

Program Year: 2021 Description - Business Lending - Advanced Successful completion of Macquarie University's MQBS 8010 Business Lending Advanced, a 5 credit point unit, meets the requirements of the Westpac Group Advanced Lending Pathway unit. This unit develops participants' financial, industry and business analysis skills to better identify key risk factors and potential risk mitigants. A deeper understanding of these risk factors will enable participants to incorporate insights on financial, industry and cash flow analysis into debt servicing capacity and deal structuring options. Participants will also gain an appreciation of the strategic issues faced by businesses, equipping them to engage in broader conversations with clients about business performance. Learning Outcomes • Demonstrate understanding of the role and purpose of tools necessary for assessing customer credit risk and loan structuring options • Apply these tools to risk analysis of lending opportunities and the preparation of credit submissions and loan structures appropriate to the client risk profile • Ability to act as a mentor in the application of these analysis and deal structuring tools within the bank • Use insights derived from the application of the tools to build relationships with customers and develop a comprehensive understanding of their business Key Topics • Credit Risk Management Framework • External and Industry Analysis Tools: PESTLE, Porter’s Five Forces and Industry Life Cycle • Management and Business Analysis Tools: Business Model Canvas, Management Review Job Aid (4 Hats of Management) • Financial and Serviceability Analysis: review of financial analysis concepts, Financial Analysis Tool Kit, preparing projections, assessing historical and projected financials • Key Risks: analyse risk severity v probability to identify key risks and potential risk mitigants • Managing stakeholders and understanding decision maker’s perspective • Assessing borrower’s needs • Role of deal structuring in credit and lending decisions • Managing lender’s risks and deal structuring options – covenants and undertakings Activities & Volume of Learning • Self directed online resources (15 hours) • Financial Analysis Quiz_assessed (3 hours) • Case studies, group work and in class exercises (36 hours experiential workshops) • Reflective Writing: Customer Application_assessed (2 hours) • Case study analysis_assessed (20 hours) Credit 5 credit points at AQF8