To enable students to understand and apply principles of loan utilisation monitoring and compliance within financial institutions.
To develop students’ ability to analyse loan disbursement data against sanctioned loan purposes, detecting discrepancies or misuse of funds.
To enhance skills in financial document verification, reconciliation, and anomaly detection while ensuring regulatory adherence.
To cultivate competencies in using data analysis tools and software for effective loan utilisation assessment.
To improve professional communication and report-writing skills by documenting findings and presenting actionable insights to stakeholders.
To foster ethical decision-making and professional judgment in handling sensitive financial information and recommending corrective measures.
Review and interpret loan agreements and sanction documents to identify approved loan utilisation purposes and compliance requirements.
Collect and analyse borrower-submitted utilisation reports, financial statements, and expense receipts to verify actual use of loan funds.
Use spreadsheet software or data analysis tools to compare sanctioned vs. reported utilisation, identifying variances or red flags.
Conduct risk assessment for detected discrepancies and evaluate potential impacts on loan performance and institutional risk.
Prepare a detailed utilisation verification report summarising analysis, findings, compliance status, and recommendations for follow-up actions.
Simulate communication with borrowers via formal query letters seeking clarifications or additional documentation.
Present key findings and recommendations in a professional format to a mock credit committee, demonstrating clarity and business communication skills.
Suggest process improvements or controls to enhance loan utilisation monitoring effectiveness based on project insights.
