Course Information
SemesterCourse Unit CodeCourse Unit TitleT+P+LCreditNumber of ECTS CreditsLast Updated Date
2BNS 134Credit Management in Banks2+0+02326.10.2026
Course Details
Language of Instruction Turkish
Level of Course Unit Associate Degree
Department / Program Banking and Insurance
Type of Program Formal Education
Type of Course Unit Elective
Course Delivery Method Hybrid
Objectives of the Course To teach the lending process, types of loans and credit evaluation methods in banks, and to enable students to analyze loan applications and assess credit risk.
Course Content The lending process and types of loans. Credit policy. Evaluation of credit applications: customer analysis, financial statement analysis and credit rating. Credit evaluation methods. Analysis of credit risk. Types of collateral. Credit allocation, credit monitoring and collection. Ways of mitigating risk. Problem loan management, non-performing loans and provisions. Retail and commercial loans. The impact of digitalization and artificial intelligence applications on credit management. Practice on sample credit files.
Course Methods and Techniques Lecturing, question-and-answer, case studies, assignments and exams.
Prerequisites and co-requisities None
Course Coordinator None
Name of Lecturers Instructor Turgut SONGUR
Assistants None
Work Placement(s) No

Recommended or Required Reading
Resources Takan, M. ve Boyacıoğlu, M. A., Bankacılık: Teori, Uygulama ve Yönetim, Nobel Akademik Yayıncılık.
Bankacılık Düzenleme ve Denetleme Kurumu (BDDK), kredi işlemlerine ilişkin mevzuat ve yönetmelikler (www.bddk.org.tr).
Türkiye Bankalar Birliği yayınları ve raporları (www.tbb.org.tr).
Course Notes Lecture notes, presentations, and sample credit files related to the course topics will be provided to students. Students are encouraged to regularly review the course materials on the lending process, loan types, credit policies, customer and financial statement analysis, credit rating, collateral, credit risk, and risk management. Sample loan applications, credit evaluation exercises, and current developments in the banking sector will be discussed to support the learning process. The effects of digitalization and artificial intelligence applications on credit management will also be examined.

Course Category
Social Sciences %100

Planned Learning Activities and Teaching Methods
Activities are given in detail in the section of "Assessment Methods and Criteria" and "Workload Calculation"

Assessment Methods and Criteria
In-Term Studies Quantity Percentage
Mid-terms 1 % 40
Final examination 1 % 60
Total
2
% 100

 
ECTS Allocated Based on Student Workload
Activities Quantity Duration Total Work Load
Course Duration 14 2 28
Assignments 14 3 42
Mid-terms 1 8 8
Final examination 1 12 12
Total Work Load   Number of ECTS Credits 3 90

 
Course Learning Outcomes: Upon the successful completion of this course, students will be able to:
Bilgi 
1 Explains the lending process, types of loans, and credit policy.
Beceri 
2 Evaluates loan applications by conducting customer analysis and financial statement analysis.
3 Analyzes credit risk and compares types of collateral and risk mitigation methods.
4 Applies credit allocation, credit monitoring, and non-performing loan management processes.
5 Evaluates the impact of digitalization and artificial intelligence applications on credit management.

 
Weekly Detailed Course Contents
WeekTopicsStudy MaterialsMaterials
1 The Concept of Credit, the Lending Process and Types of Loans Reading wer
2 Credit Policy and the Legal Framework The topics covered most recently and the topics to be covered in the new week are reviewed in advance using the related printed and digital resources and online content.
3 Evaluation of Credit Applications: Customer Analysis The topics covered most recently and the topics to be covered in the new week are reviewed in advance using the related printed and digital resources and online content.
4 Financial Statement Analysis and Credit Rating The topics covered most recently and the topics to be covered in the new week are reviewed in advance using the related printed and digital resources and online content.
5 Credit Evaluation Methods The topics covered most recently and the topics to be covered in the new week are reviewed in advance using the related printed and digital resources and online content.
6 Analysis of Credit Risk The topics covered most recently and the topics to be covered in the new week are reviewed in advance using the related printed and digital resources and online content.
7 Types of Collateral and Ways of Mitigating Risk The topics covered most recently and the topics to be covered in the new week are reviewed in advance using the related printed and digital resources and online content.
8 Midterm Exam
9 Credit Allocation and Disbursement The topics covered most recently and the topics to be covered in the new week are reviewed in advance using the related printed and digital resources and online content.
10 Credit Monitoring and Collection The topics covered most recently and the topics to be covered in the new week are reviewed in advance using the related printed and digital resources and online content.
11 Problem Loans, Non-Performing Loans and Provisions The topics covered most recently and the topics to be covered in the new week are reviewed in advance using the related printed and digital resources and online content.
12 Retail and Commercial Loans The topics covered most recently and the topics to be covered in the new week are reviewed in advance using the related printed and digital resources and online content.
13 Digitalization and Artificial Intelligence Applications in Credit Management The topics covered most recently and the topics to be covered in the new week are reviewed in advance using the related printed and digital resources and online content.
14 Practice on Sample Credit Files The topics covered most recently and the topics to be covered in the new week are reviewed in advance using the related printed and digital resources and online content.
15 General Review The topics covered most recently and the topics to be covered in the new week are reviewed in advance using the related printed and digital resources and online content.
16 Final Exam Week

 
Sustainable Development Goals
Contribution of Learning Outcomes to Programme Outcomes
P1 P2 P3 P4 P5 P6 P7 P8 P9 P10 P11 P12 P13 P14
All 5 3 5 3 1 5 1 1 1 4
In1
Sk2
Sk3
Sk4
Sk5

  Contribution: 1: Very Slight 2:Slight 3:Moderate 4:Significant 5:Very Significant