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SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED UNIT STANDARD THAT HAS PASSED THE END DATE: 

Assess the viability of a business banking opportunity 
SAQA US ID UNIT STANDARD TITLE
7346  Assess the viability of a business banking opportunity 
ORIGINATOR
SGB Banking and Micro Finance 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY
BANKSETA - Banking Sector Education and Training Authority 
FIELD SUBFIELD
Field 03 - Business, Commerce and Management Studies Finance, Economics and Accounting 
ABET BAND UNIT STANDARD TYPE PRE-2009 NQF LEVEL NQF LEVEL CREDITS
Undefined  Regular  Level 5  Level TBA: Pre-2009 was L5  30 
REGISTRATION STATUS REGISTRATION START DATE REGISTRATION END DATE SAQA DECISION NUMBER
Passed the End Date -
Status was "Reregistered" 		 2018-07-01  2023-06-30  SAQA 06120/18 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2026-06-30   2029-06-30  

In all of the tables in this document, both the pre-2009 NQF Level and the NQF Level is shown. In the text (purpose statements, qualification rules, etc), any references to NQF Levels are to the pre-2009 levels unless specifically stated otherwise.  

This unit standard does not replace any other unit standard and is not replaced by any other unit standard. 

PURPOSE OF THE UNIT STANDARD 
This unit standard is for persons who are responsible for a range of business accounts. Persons credited with this unit standard will be able to acquire the information necessary for the assessment, evaluate the viability of the business relationship, assess the viability of the business opportunity and prepare the recommendation. 

LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
Persons attempting this unit standard are required to have a thorough understanding of business economics, cash flow knowledge, good business acumen and competence in financial analysis. This unit standard should be completed in conjunction with the unit standard to prepare a credit proposal for the relevant authority (SFS 020). 

Specific Outcomes and Assessment Criteria: 

SPECIFIC OUTCOME 1 
Acquire the necessary information. 

ASSESSMENT CRITERIA 

ASSESSMENT CRITERION 1 
1. The current financial information of the business is obtained according to the bank's requirements. 
ASSESSMENT CRITERION RANGE 
Including but not limited to balance sheets, income statements, cash flow.
 

ASSESSMENT CRITERION 2 
2. In discussion with the client, an understanding is acquired of the short to medium term plans of the business. 

ASSESSMENT CRITERION 3 
3. The projected budget and cash flow projections are obtained from the client in line with the bank's guidelines. 

ASSESSMENT CRITERION 4 
4. The background and history are established as per the bank's guidelines. 

ASSESSMENT CRITERION 5 
5. Available security is identified as required by the bank. 

ASSESSMENT CRITERION 6 
6. Information is collated in preparation for analysis according to the bank's guidelines. 

SPECIFIC OUTCOME 2 
Evaluate the viability of the business relationship. 

ASSESSMENT CRITERIA 

ASSESSMENT CRITERION 1 
1. The management structure is analysed according to available information. 
ASSESSMENT CRITERION RANGE 
Including but not limited to profile, stability, turnover of management.
 

ASSESSMENT CRITERION 2 
2. The background and history of the company are analysed to identify the company's stability. 

ASSESSMENT CRITERION 3 
3. An industry analysis is obtained to determine the viability of the industry as per the bank's guidelines. 

ASSESSMENT CRITERION 4 
4. The business objectives, targets, SWOT are identified and compared to the business plan, projected budgets and cash flow projections. 

ASSESSMENT CRITERION 5 
5. The critical success factors of the business operation are identified and recorded according to the bank's requirements. 
ASSESSMENT CRITERION RANGE 
Including but not limited to supply of raw materials, access to markets, contracts.
 

ASSESSMENT CRITERION 6 
6. Client information is recorded promptly and accurately. 

SPECIFIC OUTCOME 3 
Assess the viability of the business opportunity. 

ASSESSMENT CRITERIA 

ASSESSMENT CRITERION 1 
1. The financial statements of the business are analysed to determine the financial performance of the business. 

ASSESSMENT CRITERION 2 
2. The company's financial ratios are analysed and compared to previous years, relative to the industry. 
ASSESSMENT CRITERION RANGE 
Including but not limited to liquidity, debt, profitability, activity ratios.
 

ASSESSMENT CRITERION 3 
3. The influence of macro-factors are evaluated according to banking guidelines. 
ASSESSMENT CRITERION RANGE 
Including but not limited to economic, political, social, labour and climatic factors.
 

ASSESSMENT CRITERION 4 
4. A risk analysis is conducted according to the bank's procedures. 
ASSESSMENT CRITERION RANGE 
Including but not limited to industry, business, performance, competition, financial and credit risks.
 

ASSESSMENT CRITERION 5 
5. The degree of security required is established according to the bank's guidelines. 

ASSESSMENT CRITERION 6 
6. Pricing alternatives are determined by an analysis of the viability of the business proposal. 
ASSESSMENT CRITERION RANGE 
Including but not limited to interest rates, charges, fees.
 

SPECIFIC OUTCOME 4 
Prepare the recommendation. 

ASSESSMENT CRITERIA 

ASSESSMENT CRITERION 1 
1. A summary of the viability of the business relationship is drafted as required by the bank. 
ASSESSMENT CRITERION RANGE 
Including but not limited to company demographics, historical, industry and financial data.
 

ASSESSMENT CRITERION 2 
2. A summary of the key features of the business opportunity is drafted as required by the bank. 
ASSESSMENT CRITERION RANGE 
Including but not limited to financial position and ratios, macro-factors, risk analysis, security and pricing.
 

ASSESSMENT CRITERION 3 
3. A decision about the viability of the opportunity is made and substantiated to recommend or not recommend the bank's involvement. 


UNIT STANDARD ACCREDITATION AND MODERATION OPTIONS 
1. Anyone assessing a learner against this unit standard must be registered as an assessor with the relevant ETQA.

2. Any institution offering learning that will enable achievement of this unit standard or assessing this unit standard must be accredited as a provider with the relevant ETQA.

3. Moderation of assessment will be overseen by the relevant ETQA according to the moderation guidelines in the relevant qualification and the agreed ETQA procedures.

Therefore anyone wishing to be assessed against this unit standard may apply to be assessed by any assessment agency, assessor or provider institution which is accredited by the relevant ETQA. 

UNIT STANDARD ESSENTIAL EMBEDDED KNOWLEDGE 
  • Detailed knowledge of specific banking policies and procedures relating to the function/tasks performed.
  • The ability to apply financial analysis skill to evaluate an organisation`s financial position.
  • The ability to express analysis and judgement clearly both in written and verbal communication.
  • Operating and computer systems knowledge sufficient to locate the necessary information and complete the function/task.
  • An understanding of basic elements of business credit risk and principles of sound lending.
  • A broad knowledge of a wide range of banking products.
  • Good customer relation skills. 
    		•


    Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO IDENTIFYING 
    Identify and solve problems in which responses display that responsible decisions using critical and creative thinking have been made when a decision about the viability of the opportunity is made and substantiated to recommend or not recommend the bank`s involvement. 

    UNIT STANDARD CCFO COLLECTING 
    Collect, organise and critically evaluate information when the financial statements of the business are analysed to determine the financial performance of the business. 

    UNIT STANDARD CCFO DEMONSTRATING 
    Demonstrate an understanding of the world as a set of related systems when the influence of macro-factors are evaluated according to banking guidelines. 

    UNIT STANDARD CCFO CONTRIBUTING 
    Contribute to the full personal development of each learner and the social and economic development of society at large, by making it the underlying intention of any programme of learning to make an individual aware of the importance of:
  • reflecting on exploring a variety of strategies to learn more effectively;
  • participating as responsible citizens in the life of local, national and global communities;
  • being culturally and aesthetically sensitive across a range of social contexts;
  • exploring education and career opportunities; and
  • developing entrepreneurial opportunities.
    when the business objectives, targets, SWOT are identified and compared to the business plan, projected budgets and cash flow projections. 
    		•

    REREGISTRATION HISTORY 
    As per the SAQA Board decision/s at that time, this unit standard was Reregistered in 2012; 2015. 

    UNIT STANDARD NOTES 
    Legal Requirements:

    All procedures must meet recognised codes of practice as well as obligations required by current legislation within South Africa and within the normal parameters of the defined job/task. 

    QUALIFICATIONS UTILISING THIS UNIT STANDARD: 
      ID QUALIFICATION TITLE PRE-2009 NQF LEVEL NQF LEVEL STATUS END DATE PRIMARY OR DELEGATED QA FUNCTIONARY
    Elective  61589   National Certificate: Banking  Level 5  Level TBA: Pre-2009 was L5  Passed the End Date -
    Status was "Reregistered"     		 2023-06-30  As per Learning Programmes recorded against this Qual 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS UNIT STANDARD: 
    This information shows the current accreditations (i.e. those not past their accreditation end dates), and is the most complete record available to SAQA as of today. Some Primary or Delegated Quality Assurance Functionaries have a lag in their recording systems for provider accreditation, in turn leading to a lag in notifying SAQA of all the providers that they have accredited to offer qualifications and unit standards, as well as any extensions to accreditation end dates. The relevant Primary or Delegated Quality Assurance Functionary should be notified if a record appears to be missing from here.
     
    1. Advanced Assessments and Training (Pty) Ltd 
    2. AFRICAN BANK LTD 
    3. Chartall Business College 
    4. CHARTER ACADEMY 
    5. Cornerstone Supreme ( Pty ) Ltd 
    6. Felix Risk Training Consultants 
    7. Plumb Line Risk Alignment 
    8. Riverwalk Trading 151 CC trading as Culhane Consulting 
    9. Standard Bank Personal and Business Banking 
    10. The Academy of Financial Markets 
    11. The Institute of Literacy Advancement 
    12. THE SHERQ CENTRE OF EXCELLENCE PTY LTD 


    All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.