Banking and Financial Services
| Module title | Banking and Financial Services |
|---|---|
| Module code | BEF3014DA |
| Academic year | 2025/6 |
| Credits | 30 |
| Module staff |
| Duration: Term | 1 | 2 | 3 |
|---|---|---|---|
| Duration: Weeks | 13 |
| Number students taking module (anticipated) | 40 |
|---|
Module description
The future of banking will look very different from banking today, as banks, banking and bankers face many challenges: technological, socio-demographic, regulatory, political and reputational. This module introduces you to the commercial lending environment in this digital age, considering the key drivers of change, the challenges faced, particularly through the eyes of a relationship manager, and the impact on banks and customers of technological developments and regulatory changes.
Module aims - intentions of the module
The aim of this module is to develop your knowledge, understanding and skills relating to the commercial lending environment in a digital age, considering the key drivers of change, the challenges faced, and the impact on banks and customers of technological developments and regulatory changes. You will also develop the ability to build trust-based relationships with customers, appraise the creditworthiness of a business, and propose suitable funding solutions to meet customers’ needs in a competitive marketplace.
Intended Learning Outcomes (ILOs)
ILO: Module-specific skills
On successfully completing the module you will be able to...
- 1. differentiate between a range of commercial lending customer types and their funding needs
- 2. develop a robust relationship management strategy for a variety of bank customer segments
- 3. identify a range of financial and non-financial information that could be used to assess a business and the key risks inherent in a customer lending proposition
- 4. appraise the strategy, performance and creditworthiness of a business, taking current and expected economic, market and sector factors into consideration
- 5. develop suitable funding solutions, including appropriate conditions, security and covenants, that mitigate risk and meet the needs of both the customer and the bank
- 6. discuss a range of legal, regulatory and ethical factors that can influence options for funding.
ILO: Discipline-specific skills
On successfully completing the module you will be able to...
- 7. analyse the commercial lending environment in a digital age, and the external influences on and challenges for banks
- 8. develop relationship management strategies, and manage relationships with commercial customers, using a range of skills and techniques to enhance the customer experience and advocacy
- 9. use a range of financial and non-financial information and tools to appraise the creditworthiness of a business
- 10. develop funding solutions and structure debt to meet customer needs, balance risk and reward, taking into account legal, regulatory and ethical factors that can influence the options for funding
ILO: Personal and key skills
On successfully completing the module you will be able to...
- 11. Produce a reflective report using work related information
- 12. Improve written communication skills
Syllabus plan
- The commercial lending environment
- Relationship management
- Sources of information
- Business analysis and financial accounting
- Funding solutions
- Legislation, regulation and ethics
Learning activities and teaching methods (given in hours of study time)
| Scheduled Learning and Teaching Activities | Guided independent study | Placement / study abroad |
|---|---|---|
| 90 | 210 | 0 |
Details of learning activities and teaching methods
| Category | Hours of study time | Description |
|---|---|---|
| Scheduled Learning and Teaching Activities | 41 | Masterclasses (in-person and online) |
| Scheduled Learning and Teaching Activities | 49 | Online guided learning |
| Guided Independent Study | 110 | Research, reading, assessment preparation and web-based activities including external resources if applicable. |
| Placement | 100 | Apply knowledge to practical situations in the workplace |
Formative assessment
| Form of assessment | Size of the assessment (eg length / duration) | ILOs assessed | Feedback method |
|---|---|---|---|
| Weekly exercise questions | 10-20 minutes | 1-12 | Online answer feedback |
| Assignment draft | One page of Word doc with bullet points | 1-12 | Individual feedback |
Summative assessment (% of credit)
| Coursework | Written exams | Practical exams |
|---|---|---|
| 100 | 0 | 0 |
Details of summative assessment
| Form of assessment | % of credit | Size of the assessment (eg length / duration) | ILOs assessed | Feedback method |
|---|---|---|---|---|
| Coursework assignment | 100 | 6000 words | 1-12 |
Details of re-assessment (where required by referral or deferral)
| Original form of assessment | Form of re-assessment | ILOs re-assessed | Timescale for re-assessment |
|---|---|---|---|
| Coursework Assignment | 100% 6000 word assignment | 1-12 | In line with university regulations |
Re-assessment notes
Deferral – if you have been deferred for any assessment you will be expected to submit the relevant assessment. The mark given for a re-assessment taken as a result of deferral will not be capped and will be treated as it would be if it were your first attempt at the assessment.
Referral –if you have failed the module overall (i.e. a final overall module mark of less than 40%) you will be expected to submit the relevant assessment. The mark given for a re-assessment taken as a result of referral will be capped at 40%
Indicative learning resources - Basic reading
- Chartered Banker Institute (2019) Commercial Lending Study Guide
| Credit value | 30 |
|---|---|
| Module ECTS | 15 |
| Module pre-requisites | None |
| Module co-requisites | None |
| NQF level (module) | 6 |
| Available as distance learning? | No |
| Origin date | 10/09/2023 |
| Last revision date | 10/09/2023 |
