To enable students to apply analytical and investigative skills to verify whether disbursed loans have been utilized as intended by the borrowers.
To develop competency in interpreting financial documents, loan agreements, and expenditure reports to detect discrepancies or deviations in loan utilization.
To cultivate the ability to use financial analysis tools (e.g., spreadsheets) and data validation techniques to assess the impact of loans on business or personal financial health.
To enhance decision-making skills by recommending corrective actions or further investigation based on evidence gathered.
To strengthen communication and reporting skills, requiring students to prepare clear, concise utilisation check reports and present findings to stakeholders.
To provide exposure to workplace ethics and compliance requirements related to financial accountability and regulatory frameworks in lending institutions.
To foster teamwork and professional judgement by simulating collaboration with credit officers, auditors, and clients in resolving utilisation discrepancies.
Analyze a provided dataset of loan disbursements, borrower profiles, and submitted utilisation documents to identify inconsistencies or potential misapplication of loan funds.
Review loan agreements and conditions to understand stipulated uses and compare against reported expenditures.
Design and implement a verification checklist and sampling plan to systematically assess loan utilisation cases.
Conduct a mock audit by tracing the flow of funds from disbursement through to reported utilisation, identifying any gaps or red flags.
Use spreadsheet software to organize, analyze, and visualize financial data to support findings.
Prepare a detailed loan utilisation report outlining findings, supporting evidence, and recommendations for follow-up actions or control improvements.
Present the report to a panel simulating bank management, justifying conclusions and proposed next steps.
Reflect on regulatory compliance implications and propose strategies for enhancing loan utilisation monitoring processes.
Collaborate virtually or in groups to simulate interaction with loan officers and clients in addressing utilisation issues and improving transparency.
