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Digital Finance: Credit Analysis (Masters)
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GPACC5009 - Digital Finance: Credit Analysis (Masters)
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20250200
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Course
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Unit
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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/gpacc5009">View unit fees</a>
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Graded (e.g. HD, D, C, etc)
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9
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Masters Degree
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Advanced
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<p>This project 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>Advanced Sector and Company Analysis</p>
<p>Teams will research and analyse the financial health of a given sector, focusing on advanced metrics such as debt coverage ratios, capital structure, and market conditions. A comparative sector analysis will be performed, culminating in a group presentation of findings.</p>
<p>Sprint 2 (2 Weeks)</p>
<p>In-Depth Company Financial Performance Analysis</p>
<p>Teams will conduct a detailed analysis of a given company's financial performance, including balance sheet analysis, liquidity ratios, profitability metrics, and solvency assessments. This analysis will be benchmarked against sector performance. Deliverables will include a team report and presentation.</p>
<p>Sprint 3 (2 Weeks)</p>
<p>Project Financial Feasibility Study and Cash Flow Modelling</p>
<p>Teams will build advanced financial models (e.g., Net Present Value, Internal Rate of Return) to assess the feasibility of a proposed project, with a focus on accurate cash flow forecasting. Deliverables will include an Excel-based financial model and a team presentation.</p>
<p>Sprint 4 (2 Weeks)</p>
<p>Credit Risk Analysis and Rating Simulation</p>
<p>Teams will simulate the process of internal and external credit ratings, using tools like Moody’s or S&P’s credit risk models. Teams will assess solvency, loan collateral quality, and provide a credit risk rating for a hypothetical company. Deliverables will include a rating report and presentation.</p>
<p>Sprint 5 (2 Weeks)</p>
<p>Capital Budgeting and Loan Structuring</p>
<p>Teams will apply capital budgeting techniques, including sensitivity analysis and scenario testing, to assess project risks and structure loans. They will also determine the appropriate loan covenants and terms based on risk assessment. Deliverables will include a detailed loan structuring report and team presentation.</p>
<p>Sprint 6 (2 Weeks)</p>
<p>Final Credit Analysis and Decision Report</p>
<p>Teams will consolidate their findings into a comprehensive credit analysis report, including recommendations for loan approvals, risk mitigations, and financial justifications. This final report will integrate all previous analyses and models. Deliverables will include a detailed report and a final presentation to a simulated board of directors.</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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GPACC5009 - Digital Finance: Credit Analysis (Masters)
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GPACC5009 - Digital Finance: Credit Analysis (Masters)
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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
Parent Region
Overview
Unit description
<p>This project 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>Advanced Sector and Company Analysis</p> <p>Teams will research and analyse the financial health of a given sector, focusing on advanced metrics such as debt coverage ratios, capital structure, and market conditions. A comparative sector analysis will be performed, culminating in a group presentation of findings.</p> <p>Sprint 2 (2 Weeks)</p> <p>In-Depth Company Financial Performance Analysis</p> <p>Teams will conduct a detailed analysis of a given company's financial performance, including balance sheet analysis, liquidity ratios, profitability metrics, and solvency assessments. This analysis will be benchmarked against sector performance. Deliverables will include a team report and presentation.</p> <p>Sprint 3 (2 Weeks)</p> <p>Project Financial Feasibility Study and Cash Flow Modelling</p> <p>Teams will build advanced financial models (e.g., Net Present Value, Internal Rate of Return) to assess the feasibility of a proposed project, with a focus on accurate cash flow forecasting. Deliverables will include an Excel-based financial model and a team presentation.</p> <p>Sprint 4 (2 Weeks)</p> <p>Credit Risk Analysis and Rating Simulation</p> <p>Teams will simulate the process of internal and external credit ratings, using tools like Moody’s or S&P’s credit risk models. Teams will assess solvency, loan collateral quality, and provide a credit risk rating for a hypothetical company. Deliverables will include a rating report and presentation.</p> <p>Sprint 5 (2 Weeks)</p> <p>Capital Budgeting and Loan Structuring</p> <p>Teams will apply capital budgeting techniques, including sensitivity analysis and scenario testing, to assess project risks and structure loans. They will also determine the appropriate loan covenants and terms based on risk assessment. Deliverables will include a detailed loan structuring report and team presentation.</p> <p>Sprint 6 (2 Weeks)</p> <p>Final Credit Analysis and Decision Report</p> <p>Teams will consolidate their findings into a comprehensive credit analysis report, including recommendations for loan approvals, risk mitigations, and financial justifications. This final report will integrate all previous analyses and models. Deliverables will include a detailed report and a final presentation to a simulated board of directors.</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/gpacc5009">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>Critically evaluate advanced financial performance metrics, including liquidity, profitability, and solvency, through comprehensive financial statement analysis. </p>
K2
<p>Assess the role of credit analysis in complex lending and investment decisions, considering various risk factors and financial models. </p>
K3
<p>Develop sophisticated financial forecasting models, integrating advanced techniques for cash flow estimation and scenario analysis.</p>
S1
<p>Conduct in-depth analysis of a company’s financial statements, including a detailed examination of assets, liabilities, equity, and their implications for financial health. </p>
S2
<p>Synthesize and interpret complex financial data to generate comprehensive insights and make strategic recommendations. </p>
S3
<p>Communicate advanced financial analyses and strategic recommendations effectively in written and oral formats, tailored to diverse audiences.</p>
A1
<p>Evaluate and integrate advanced financial data to assess and forecast a company's financial health, efficiency and growth considering liquidity, profitability, and solvency within a broader economic context.</p>
A2
<p>Prepare and present a comprehensive financial analysis report that provides in-depth strategic recommendations and actionable steps for complex decision-making within a corporate setting.</p>
Assessment
Learning Tasks and Assessment
Ref
Learning task
Assessment type
Weighting
Learning outcomes assessed
1
<p>Company financial analysis and performance vs. sector benchmarks</p>
<p>Team report and presentation </p>
<p>20-30%</p>
K1, K2, S1, S2, A1, A2
2
<p>Credit risk analysis and rating simulation</p>
<p>Rating report and presentation</p>
<p>20-30%</p>
K2, K3, S1, S2, S3, A1, A2
3
<p>Final credit analysis report and decision</p>
<p>Comprehensive report and presentation</p>
<p>40-60%</p>
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>
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/gpacc5009">View unit fees</a>
Additional information
Add Info Static Text
Internal reference: GPACC5009 - U1.2