Enable students to demonstrate competency in assessing and verifying the actual use of sanctioned loans against stipulated terms and conditions, reflecting real-world credit monitoring tasks.
Develop students’ skills in data collection, transaction analysis, and financial document verification to ensure compliance with loan agreements and regulatory standards.
Foster critical thinking and problem-solving by identifying discrepancies, irregularities, or misuse of loan funds, and formulating actionable recommendations.
Enhance technical proficiency in using spreadsheet software, basic data analytics tools, and report generation to communicate findings effectively to stakeholders.
Cultivate professional communication skills by preparing clear, concise, and evidence-based utilisation check reports suitable for bank credit officers or loan recovery teams.
Promote ethical judgment and confidentiality awareness in handling sensitive customer financial data and institutional records.
Encourage understanding of credit risk management concepts, loan disbursement cycles, and their impact on organisational financial health and compliance frameworks.
Collect and analyse a provided anonymised dataset containing loan disbursement details, borrower statements, bank transaction records, and utilisation documents for a sample portfolio.
Cross-verify loan utilisation against sanctioned purposes by comparing transaction records with loan agreement clauses, identifying any deviations or underutilisation.
Identify potential misuse or diversion of funds by spotting patterns or anomalies through trend analysis and flag them for further investigation.
Prepare a detailed utilisation check report highlighting compliance status, discrepancies found, and suggest corrective actions or follow-up procedures.
Develop a brief presentation summarising key findings, emphasising practical insights and risks to loan officers or internal audit teams.
Recommend improvements to existing loan monitoring processes or tools based on observed challenges or gaps during analysis.
Simulate communication with borrowers by drafting an official query letter or email seeking clarification on suspected discrepancies, demonstrating professional stakeholder engagement.
Reflect on ethical considerations and data privacy protocols followed during the project to ensure responsible handling of sensitive financial information.
