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Non Award Unit Template
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Digital Finance: Credit Analysis
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HENAG1102 - Digital Finance: Credit Analysis
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20240600
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Course
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Non-Award Unit
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1.1
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2026-09-10
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2026-09-10
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Information Technology
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Institute of Innovation, Science & Sustainability
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Business
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Non-Award
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15
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.125
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081101
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Banking and Finance
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081101 - Banking and Finance
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<a href="http://www.federation.edu.au/locate/unit/henag1102">View unit fees</a>
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Ungraded (e.g. S-Satisfactory, UN-Unsatisfactory)
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Bachelor Degree
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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) In-depth study and analysis of the given sector; analysis of sector peers; calculation of sector benchmark financial KPIs; make a group presentation.<br>
•Sprint 2 (2 Weeks) Detailed analysis and research of a given Company's financial performance for liquidity, profitability, and solvency; undertake a comparison with sector KPI benchmarks; make a group presentation.<br>
•Sprint 3 (2 Weeks) Project financial feasibility study; cash flow evaluation; build Excel spreadsheet models; make a group presentation.<br>
•Sprint 4 (2 Weeks) Application of capital budgeting decision criteria on project cash flows; build Excel models for NPV, and IRR; prepare feasibility report with conclusion on project viability; present in groups.<br>
•Sprint 5 (2 Weeks) Study and assess solvency ratings by various external credit rating agencies, assess internal credit ratings of the Company and the peers’ ratings; make a brief group presentation.<br>
•Sprint 6 (2 Weeks) Assess loan classification - secured or unsecured, property mortgage/collateral values; comment on credit pricing/cost of borrowing with justifications; present the same in groups.</p>
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2027
Current Year
2026
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HENAG1102 - Digital Finance: Credit Analysis
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HENAG1102 - 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 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) In-depth study and analysis of the given sector; analysis of sector peers; calculation of sector benchmark financial KPIs; make a group presentation.<br> •Sprint 2 (2 Weeks) Detailed analysis and research of a given Company's financial performance for liquidity, profitability, and solvency; undertake a comparison with sector KPI benchmarks; make a group presentation.<br> •Sprint 3 (2 Weeks) Project financial feasibility study; cash flow evaluation; build Excel spreadsheet models; make a group presentation.<br> •Sprint 4 (2 Weeks) Application of capital budgeting decision criteria on project cash flows; build Excel models for NPV, and IRR; prepare feasibility report with conclusion on project viability; present in groups.<br> •Sprint 5 (2 Weeks) Study and assess solvency ratings by various external credit rating agencies, assess internal credit ratings of the Company and the peers’ ratings; make a brief group presentation.<br> •Sprint 6 (2 Weeks) Assess loan classification - secured or unsecured, property mortgage/collateral values; comment on credit pricing/cost of borrowing with justifications; present the same in groups.</p>
Key information
Institute / school:
Institute of Innovation, Science & Sustainability
Discipline:
Business
Study level:
Non-Award
Credit points:
15
EFTSL:
0.125
Field of education:
081101 - Banking and Finance
Grade scheme:
Ungraded (e.g. S-Satisfactory, UN-Unsatisfactory)
Placement component:
No
Fee information:
<a href="http://www.federation.edu.au/locate/unit/henag1102">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>Understand how to calculate and analyse sector benchmark KPIs for liquidity, profitability and solvency from financial statements and reports.</p>
K2
<p>Understand how a company's KPIs for liquidity, profitability and solvency are determined.</p>
K3
<p>Understand how a comparison summary is done for company's performance versus sector performance.</p>
S1
<p>Interpret a company's financial statements.</p>
S2
<p>Interpret financial statements of a company's major peers and other published sectoral reports.</p>
S3
<p>Interact effectively with the respective client account manager for any additional information or documents.</p>
S4
<p>Work effectively in a team.</p>
A1
<p>Undertake in-depth analysis of a company's financial performance on liquidity, profitability and solvency.</p>
A2
<p>Evaluate the forecasted cash flows of a project that needs funding.</p>
A3
<p>Apply capital budgeting decision criteria on cashflows to determine whether a project is financially viable.</p>
A4
<p>Make recommendations about borrowers’ credit ratings, quality of loan collaterals, the credit limit and credit covenants for a company project.</p>
A5
<p>Create and complete the credit file with interest recommendations for internal approvals as per company policy.</p>
Assessment
Learning Tasks and Assessment
Supplementary assessment available:
No
FedTASK
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>
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.
Key information
Institute / school:
Institute of Innovation, Science & Sustainability
Discipline:
Business
Study level:
Non-Award
Credit points:
15
EFTSL:
0.125
Field of education:
081101 - Banking and Finance
Grade scheme:
Ungraded (e.g. S-Satisfactory, UN-Unsatisfactory)
Placement component:
No
Fee information:
<a href="http://www.federation.edu.au/locate/unit/henag1102">View unit fees</a>
Additional information
Cards Section - Non Research
Add Info Static Text
Internal reference: HENAG1102 - U1.1