Identify How the Following Forms of Security can be Utilised in Complex Loan Structures - Management Assignment Help

Assignment Task:

Task:

As part of your client’s retirement plan, they are interested in buying a camping ground that allows 40 camping sites for tents only and has ten environmentally friendly cabins. The client is keen to add ten caravan/motor home sites to increase his revenue. It appears the land has native title rights, which your client is unfamiliar with, and what this entails. Explain what restrictions, requirements, and issues might be evident around native title rights.

• A client has come to see you regarding the purchase of a heritage-listed terrace with two bedrooms and one living area with an open concept kitchen. The client intends to live in this property with their partner; however, they would like to build a second story main bedroom with an ensuite and study. What issues might you come across with a heritage-listed property? Include in your answer how you can overcome some of these issues.
• Identify how the following forms of security can be utilised in complex loan structures:
• Multiple mortgages
• Registered company charges
• The involvement of a unit or family trusts as either borrowers or guarantors.
• Please refer to your chosen case study in Task 1 and answer question 6 based on the scenario.
• After you analysed and prioritised options for the client and compared the features, fees, charges, and risks, you would have rejected inappropriate options. Please list two options that would have been inappropriate for the client and explain why.
• Option 1 Option 2 Task 1 – Case study 1
• PART A
• Mr Michael Jones and Mrs Samantha Jones have operated and owned ‘The Best Finance Pty Ltd’ business for the last five years as an ACL holder. They currently have three brokers that work in the business, Mr Bill Mason the most recent to the business and three administration support staff.
• Mr and Mrs Jones have recently completed an internal audit of files and noticed a breach by Mr Bill Mason. It appears a systematic issue was established for not advising commission charged in the credit proposal. Mr and Mrs Jones noted that all of Bill’s applications had this critical item missing.
• Use the Risk Register below to identify and describe three (3) potential risks to the operation of the business, and three (3) potential risks to the client arising from this proposal. Remember, when identifying risk, you need to consider both what can go wrong and how it can go wrong. Note: The client risks in this case can be the client, broker, and the owners of the business.
• Note: The Risk Register table in the learner guide lists Operational, Financial, Competitive and Client risks. However, for this assessment task, we only require the operational and client risks to be completed. Refer to the learner guide for an example of what is required.
• Risk Register L C Risk rating (LXC) Comments
• Operational risks
• Compliance Risk- 2 4 8 .
• Reputational Risk- Explain 3 3 7 System in place to check the brokers? 2 5 8 Client risks
• Client-unsuitable or more expensive product 3 4 8 No discloser commission
• Lose job or ACR status –Bill(or remedial action) 3 5 9 Can lose his job or his credit license
• Owner –Profitability is ?? cost to improve the system –to capture all required info. 2 4 7 Why is it important to retain an existing client versus acquiring a new client?

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