Enable students to demonstrate their understanding of credit management, loan monitoring processes, and financial compliance requirements.
Develop analytical skills to assess if loan amounts disbursed are utilized as per the intended purpose stated in loan agreements.
Foster proficiency in reviewing financial documents, transaction records, and business operations to identify discrepancies or misutilization of funds.
Cultivate abilities in data analysis, report preparation, and professional communication to effectively present findings to stakeholders.
Encourage critical thinking and problem-solving in recommending measures to improve loan utilisation monitoring and risk mitigation.
Strengthen knowledge of regulatory frameworks, risk assessment, and internal control mechanisms relevant to loan utilisation checks.
Promote teamwork and ethical judgment through simulated interactions with clients, credit officers, and audit teams to resolve utilisation queries.
Enhance competency in using digital tools/software for data management, analysis, and documentation aligned with industry practices.
Analyze a dataset of loan accounts assigned by the financial institution to verify if the disbursed funds align with the sanctioned purpose, using provided financial statements and transaction documents.
Identify any inconsistencies, underutilizations, or diversions of loan proceeds by cross-checking against contract terms and borrower declarations.
Prepare a comprehensive utilisation check report highlighting findings, risk factors, and compliance status with relevant loan agreements and regulatory standards.
Develop a presentation summarizing the project outcomes, including data analytics methodology, findings, and recommendations to improve loan utilisation monitoring processes.
Propose actionable recommendations for credit and risk management teams to address observed issues and enhance future loan tracking effectiveness.
Participate in a simulated client interaction where findings are communicated professionally, and clarifications or follow-up queries are addressed.
Document the entire workflow, from data collection, analysis procedures, through to reporting, emphasizing accuracy, confidentiality, and ethical considerations.
Utilize appropriate software (e.g., MS Excel, data visualization tools) to manage and analyze loan data, demonstrating technical aptitude aligned with industry standards.
