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HE Unit Template
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Digital Finance: Credit Analysis
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GPACC1007 - Digital Finance: Credit Analysis
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20250200
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1.2
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2026-09-10
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2026-09-10
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Business
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Institute of Innovation, Science & Sustainability
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Business
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Undergraduate
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15
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.125
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081199
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Banking, Finance and Related Fields, n.e.c.
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081199 - Banking, Finance and Related Fields, n.e.c.
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<a href="http://www.federation.edu.au/locate/unit/gpacc1007">View unit fees</a>
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Graded (e.g. HD, D, C, etc)
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Bachelor Degree
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<p>This unit aims to prepare learners to excel in ‘Credit Analyst’ roles in banks, Non-Banking Financial Companies (NBFCs) and new digital finance companies. Team projects will be based on assessing the debt/loan funding requirements of a company for new capital expenditure. Working in teams of 4-5, learners will do an in-depth analysis of the sector and the individual company’s financial performance (solvency, profitability and liquidity), assess project cash flows, and arrive at a loan decision and pricing, based on the appropriate credit policy and guidelines.</p>
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<p>Sprint 1 (2 Weeks)</p>
<p>Introduction to Credit Analysis and Financial Metrics</p>
<p>Students will be introduced to the basics of credit analysis and financial performance metrics. The focus will be on understanding liquidity, profitability, and solvency.</p>
<p>Sprint 2 (2 Weeks)</p>
<p>Sector Benchmarking and Market Overview</p>
<p>Teams will conduct an overview of the sector, identifying key financial benchmarks for liquidity, profitability, and solvency. This stage focuses on comparative sector analysis.</p>
<p>Sprint 3 (2 Weeks)</p>
<p>Understand Company Financial Performance</p>
<p>Teams will understand a company’s financial performance by interpreting its financial statements, including profit and loss, balance sheet, and cash flow statements.</p>
<p>Sprint 4 (2 Weeks)</p>
<p>Comparing Company Performance Against Sector Benchmarks</p>
<p>Teams will compare the company’s financial performance against the sector benchmarks established in Sprint 2, focusing on liquidity, profitability, and solvency</p>
<p>Sprint 5 (2 Weeks)</p>
<p>Introduction to Financial Forecasting and Cash Flow Analysis</p>
<p>Teams will develop basic cash flow projections and apply forecasting methods to evaluate the financial needs of the company. Deliverable: Company financial performance vs. sector benchmarks report (Team report and presentation).</p>
<p>Sprint 6 (2 Weeks)</p>
<p>Final Credit Analysis and Loan Recommendation</p>
<p>Teams will compile their analyses from previous sprints and provide a final credit analysis and loan recommendation based on their evaluation of financial health, sector comparison, and cash flow forecasting. Deliverable: Final credit analysis and loan recommendation report (Team report and presentation).</p>
<p><br></p>
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<p>Where supplementary assessment is available a student must have failed overall in the Unit but gained a final mark of 45 per cent or above, has completed all major assessment tasks (including all sub-components where a task has multiple parts) as specified in the Unit Description and is not eligible for any other form of supplementary assessment.</p>
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2027
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2026
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GPACC1007 - Digital Finance: Credit Analysis
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GPACC1007 - Digital Finance: Credit Analysis
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Semester
Semester 1
Semester 2
Summer Semester
Year
2027
2026
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Overview
Key information
Requisites
Learning outcomes
Assessment
FedTASK
Parent Region
Overview
Unit description
<p>This unit aims to prepare learners to excel in ‘Credit Analyst’ roles in banks, Non-Banking Financial Companies (NBFCs) and new digital finance companies. Team projects will be based on assessing the debt/loan funding requirements of a company for new capital expenditure. Working in teams of 4-5, learners will do an in-depth analysis of the sector and the individual company’s financial performance (solvency, profitability and liquidity), assess project cash flows, and arrive at a loan decision and pricing, based on the appropriate credit policy and guidelines.</p>
Unit content
<p>Sprint 1 (2 Weeks)</p> <p>Introduction to Credit Analysis and Financial Metrics</p> <p>Students will be introduced to the basics of credit analysis and financial performance metrics. The focus will be on understanding liquidity, profitability, and solvency.</p> <p>Sprint 2 (2 Weeks)</p> <p>Sector Benchmarking and Market Overview</p> <p>Teams will conduct an overview of the sector, identifying key financial benchmarks for liquidity, profitability, and solvency. This stage focuses on comparative sector analysis.</p> <p>Sprint 3 (2 Weeks)</p> <p>Understand Company Financial Performance</p> <p>Teams will understand a company’s financial performance by interpreting its financial statements, including profit and loss, balance sheet, and cash flow statements.</p> <p>Sprint 4 (2 Weeks)</p> <p>Comparing Company Performance Against Sector Benchmarks</p> <p>Teams will compare the company’s financial performance against the sector benchmarks established in Sprint 2, focusing on liquidity, profitability, and solvency</p> <p>Sprint 5 (2 Weeks)</p> <p>Introduction to Financial Forecasting and Cash Flow Analysis</p> <p>Teams will develop basic cash flow projections and apply forecasting methods to evaluate the financial needs of the company. Deliverable: Company financial performance vs. sector benchmarks report (Team report and presentation).</p> <p>Sprint 6 (2 Weeks)</p> <p>Final Credit Analysis and Loan Recommendation</p> <p>Teams will compile their analyses from previous sprints and provide a final credit analysis and loan recommendation based on their evaluation of financial health, sector comparison, and cash flow forecasting. Deliverable: Final credit analysis and loan recommendation report (Team report and presentation).</p> <p><br></p>
Key information
Institute / school:
Institute of Innovation, Science & Sustainability
Discipline:
Business
Study level:
Undergraduate
Credit points:
15
EFTSL:
0.125
Field of education:
081199 - Banking, Finance and Related Fields, n.e.c.
Grade scheme:
Graded (e.g. HD, D, C, etc)
Placement component:
No
Fee information:
<a href="http://www.federation.edu.au/locate/unit/gpacc1007">View unit fees</a>
Requisites
Prerequisite
None
Corequisite
None
Exclusion
None
Learning outcomes
Learning outcomes
<p>On successful completion of this unit, students are expected to gain the following [K]nowledge, [S]kills and [A]pplication of knowledge & skills</p>
Learning Outcomes
Ref
Outcome
K1
<p> Identify basic financial performance metrics for companies, such as liquidity and profitability, using financial statements.</p>
K2
<p>Understand the purpose of credit analysis in lending and investment decisions.</p>
K3
<p>Identify simple methods of financial forecasting, including cash flow estimation.</p>
S1
<p>Identify key components of a company's financial statements, such as assets, liabilities, and equity.</p>
S2
<p>Analyse financial data and present findings.</p>
S3
<p>Explain simple financial observations and findings, both orally and in writing.</p>
A1
<p>Use basic financial data to assess a company's financial health in terms of liquidity, profitability, and solvency, while also evaluating efficiency and growth prospects.</p>
A2
<p>Prepare a concise financial analysis report summarising the key financial metrics and observations of a given company.</p>
Assessment
Learning Tasks and Assessment
Ref
Learning task
Assessment type
Weighting
Learning outcomes assessed
1
<p>Sector and company financial analysis</p>
<p>Team report and presentation </p>
<p>20-25%</p>
K1, S1, A1
2
<p>Company financial performance vs. sector benchmarks</p>
<p>Team report and presentation </p>
<p>20-25%</p>
K1, K2, S1, S2
3
<p>Financial forecasting and cash flow analysis</p>
<p>Team report and presentation </p>
<p>25-30%</p>
K2, K3, S2, S3, A2
4
<p>Final credit analysis and loan recommendation</p>
<p>Team report and presentation </p>
<p>25-30%</p>
K1, K2, K3, S1, S2, S3, A1, A2
Supplementary assessment available:
Yes
Supplementary assessment information:
<p>Where supplementary assessment is available a student must have failed overall in the Unit but gained a final mark of 45 per cent or above, has completed all major assessment tasks (including all sub-components where a task has multiple parts) as specified in the Unit Description and is not eligible for any other form of supplementary assessment.</p>
FedTASK
FedTASK
Description of FedTASK outcome
Level
FedTASK 1: Interpersonal
The ability to effectively communicate, interact and work with others both individually and in groups.
FedTASK 2: Leadership
The ability to apply professional skills and behaviours in leading others.
FedTASK 3: Critical Thinking and Creativity
The ability to work in complexity and ambiguity using imagination to create new ideas.
FedTASK 4: Digital Literacy
The ability to work fluently across a range of tools and applications to achieve a range of skills.
FedTASK 5: Sustainable and Ethical Mindset
The ability to consider and assess the consequences and impact of ideas and actions in enacting ethical and sustainable decisions.
FedTASK
<p>Federation University recognises that students require key transferable employability skills to prepare them for their future workplace and society. FedTASKs (<strong>T</strong>ransferable <strong>A</strong>ttributes <strong>S</strong>kills and <strong>K</strong>nowledge) provide a targeted focus on five key, transferable Attributes, Skills, and Knowledge that are embedded within curriculum, developed gradually towards successful measures and interlinked with cross-discipline and co-operative learning opportunities.</p>
Key information
Institute / school:
Institute of Innovation, Science & Sustainability
Discipline:
Business
Study level:
Undergraduate
Credit points:
15
EFTSL:
0.125
Field of education:
081199 - Banking, Finance and Related Fields, n.e.c.
Grade scheme:
Graded (e.g. HD, D, C, etc)
Placement component:
No
Fee information:
<a href="http://www.federation.edu.au/locate/unit/gpacc1007">View unit fees</a>
Additional information
Add Info Static Text
Internal reference: GPACC1007 - U1.2