FNSBNK512 Assess Complex Loans

About our FNSBNK512 Assess Complex Loans

Assess Complex Loans is designed to help individuals who work in financial services identify the capacity of a client to meet the terms and conditions of suitable loan products and services available by:

  • Assessing clients with complex financial needs
  • Considering complex financial structures and legislative requirements

Loans can be considered complex for one or more of the following reasons:

  • The borrower type – Self-employed, partnership, trust, or company
  • The loan type – High LVR, loan splits
  • Security offered as collateral – Personal or company guarantees, second mortgage, registered charges, property type and location, cross-collateralisation.

Program Content

  • Topic 1: Overview of the lending process
  • Topic 2: Managing customers with complex borrowing needs
  • Topic 3: Assessing complex loan applications

Learning Outcomes

  • Evaluate possible risks and determine overall level of risk associated with a complex loan application
  • Document a loan risk assessment in accordance with organisational procedures
  • Complete credit account administration according to organisational credit policy and timelines, and legislative requirements.
  • Outline aspects of a borrower’s situation that can make their loan application process complex
  • Explain the various ways borrowers and lenders can negotiate on types of security to be taken for complex loan structures.
  • Evaluate factors that contribute to forming product and service recommendations for clients
  • Identify disclosure documents relevant to marketing and offering credit products and services
  • Implement credit product and service recommendations for clients and discuss ancillary products and services available.

What you will learn

Who is this course for?

  • Loan officers
  • Credit assessment teams

Units of Competency

  • FNSBNK512 Assess complex loans


Recognition of Prior Learning


On successful completion, you will be awarded a Statement of Attainment confirming that you have successfully completed the following unit of competency.

FNSBNK512 Assess complex loans

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