These PDF presentations help in financial management. Financial management refers to the efficient and effective management of money in such a manner as to accomplish the objectives of the organization.

1. Report on Financial Management
Business
6/19/2017
OZ Assignment Help
Emma Zoe

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Summary of Contents
This section consists of the following assessment tasks:
1. Part 1 Learning Activity questions– if not already provided to you please email
support@financeinstitute.com.au to obtain the link to complete this task online
2. Part 2 Learning Activity questions– if not already provided to you please email
support@financeinstitute.com.au to obtain the link to complete this task online
3. Assignment 1 - CASE STUDY 1− You are required to complete 1 submission to
a lender on behalf of these clients
4. Assignment 2 - CASE STUDY 2 -You are required to complete 2 submissions
for these equipment finance clients
5. Assignment 3 - THEORY ASSIGNMENT -This is an open book assignment on
the units studied within this course
6. Assignment 4 – SERVICING AND RESEARCH ASSIGNMENT -You are
required to use what you have learned and your research skills to obtain
information necessary to understand the complex legal requirements and risks
when providing broking services to clients with complex loan needs
7. Assignment 5 – SUSTAINABILITY PLANNING Business Plan -You are
required to use the information provided in Unit 1 along with research on the
internet to prepare a Sustainability Business Plan
8. Compulsory Education Department Feedback form
Instructions−Instructions help you understand the questions and complete the
assignment
Questions/Scenario −There may be one or more questions relating to the
competencies you are required to demonstrate.
Trainees must ensure that the Cover Sheet provided is included with the full completed

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5 Assignment submissions (i.e. use the provided cover sheet as the front page to your 5
assignments and submit together).
The Assessment is comprised of online questions + 5 assignments that as a whole
make up the complete Assessment. You are required to complete the online questions
then submit the remaining 5 assignments together.
Please note, extensive answers are not always required. Brief answers may be
appropriate for some questions as long as you ensure your response adequately
addresses the question.
Important: Presenting your Assessment submission in a format that is clear and
appropriately structured forms part of your assessment and also demonstrates your
ability to communicate ideas and concepts and use technology.
After NFI has reviewed your Learning Activity question answers and your 5
Assignments have been marked, your marks will be advised put into the online platform.
All Assessments tasks should be submitted together i.e. At the same time, either by
mail or email or by uploading into the online platform.
Your completed assessments will NOT be returned to you as they are retained for audit
purposes as required.
The assessment tasks will also be used to assess your language and literacy skills. The
assessor will check your assignments to ensure that they are accurate with correct
grammar and punctuation
 that they are appropriate to the target audience
 that they show planning and organisational skill
 That they demonstrate your ability to search for products and service information
and use problem solving approaches to identify customer needs and
expectations.
Time limits− you have six (6) months in which to complete all of your course
assessments. You may submit your assessments at any time within this six month
period. Extensions are only available after this time for an additional fee. If your six
months expires you will no longer have online access available.
Pass mark− the assessments above together form the full assessment content of this
Diploma course and you are required to achieve 80% on each assessment task in order
to pass the course.
Keep a copy− With all assessments submitted you should ensure you retain an
electronic or scanned or photocopied record of your submissions for your own files and
in case of possible loss in transit.

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Assignment 1
Overview: The purpose of this task is to allow you to demonstrate that you can
complete the major steps required in broking or writing a moderately complex loan for a
customer – through identification, development and implementation of loan options
while assessing and managing risks. The samples in Appendix A may prove helpful.
Remember that what you prepare will need to be presented to the client orally and thus
must be understood by them.
Instructions: Read the scenario provided and using the information and data supplied,
prepare a formal loan submission for a lender using the following headings. Use
subheadings where appropriate to ensure your submission will be easily read and
understood by the lender. The client file should contain the standard client information
and data that would be included in a typical submission for a loan of this complexity.
Your lender submission should include as a minimum the following headings:
 Borrower’s Details
 Background
 Loan Purpose
 Facility Details
 Funds Position
 Servicing Capacity
 Security
 Risk Assessment and Management (according to lender policy, guidelines and
relevant legislation). Consideration must be given to any environmental, heritage
or native title implications
 Recommendations
 Attachments

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Scenario
Andrew Bisset has been a real estate agent for over 20 years and jointly with his wife
Jane own 6 shops at 55 Park Road, Belmont. Mr and Mrs Bisset own the shopping
Centre under the Bisset Family Trust. The property was valued 2 years ago at
$1,450,000 and has a current ABZ Bank Mortgage of $625,000.
Five of the shops are rented out for $96,000. The sixth shop is occupied by Mr Bisset’s
real estate business, Bisset’s Real Estate Pty Ltd, which pays annual rental of $42,000
to the family trust. For tax purposes Bisset’s Real Estate pays rent which is $20,000 in
excess of the fair market rental value of the shop it occupies.
Bisset’s Real Estate Pty Ltd was formed at the beginning of the last financial year to
take over the real estate agency business, which was previously conducted by a
partnership between Mr Bisset and Joseph Hooper. Bisset’s Real Estate Pty Ltd took
over the business when Mr Hooper retired.
Mr and Mrs Bisset now wish to acquire 3,000m2 of land near their existing shopping
Centre and hold it for 1 – 2 years pending rezoning.. The purchase price is $600,000.
The land was previously used as a State Government Health and Dental Centre, but the
building was demolished when it became obsolete. The land is currently zoned ‘Special
Purpose’, but the local council earmarked the land for future ‘Commercial’ use in it
recently released Town Planning Scheme. The land is located at 423 Belmont Road,
Belmont and has a two street frontage with considerable passing traffic.
The Bissets have contracted to purchase the property in their capacity as trustees of
their family trust and settlement is due with 60 days. They wish to raise 100% of the
purchase price plus $25,000 for stamp duty, financing and conveyancing costs. They
are willing to offer both the land and their existing shopping Centre as security for the
proposed loan. They will contribute a further $20,000 over the next 1−2 years to cover
the costs associated with re−zoning of the property and obtaining approval to develop
another shopping centre.
Unfortunately ABZ Bank policy does not allow them to lend against land zoned ‘Special
Purpose’ and cannot assist with the purchase. The Bissets have appointed you to
approach an alternative lender to refinance their ABZ Bank Loan and obtain the
additional funds required. Assume an interest rate of 7% for a commercial loan, 9% for
an overdraft.
Work History
Andrew has been a real estate agent for 22 years in the Brisbane South East area, he
specializes in commercial and industrial property (rent roll comprises 75% commercial
and industrial properties). His gross salary last financial year was $78,000. In the
previous financial year he drew $55,000 from the partnership with Joseph Hooper.
Jane has worked as the property manager since Bisset’s Real Estate Pty Ltd took over
the agency after the partnership. Her salary last financial year was $43,000. She did not
work in the previous financial year.

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Financial Information
Last Financial year Bisset’s Real Estate Pty Ltd recorded the following financial results:
Gross Revenue $346,000
Net Profit $72,000
Depreciation $14,000
Directors Superannuation $11,000
In the previous financial year the partnership of Andrew Bisset and Joseph Hooper
trading as Bisset’s Real Estate recorded the following financial results:
Gross Revenue $422,000
Net Profit $ 84,000
Depreciation $ 16,000
Directors Superannuation $ 11,000
The Bisset Family Trust purchased the shopping centre at Park Road Belmont 18
months ago and its financial statements for the past financial year are as follows:
Gross Rental Income $138,000
Loan Interest $ 52,000
Management Fees $ 11,000 (paid to Bisset’s RE Pty Ltd)
Net Profit $ 50,000
Depreciation $ 25,000

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Financial Position – Andrew and Jane Bisset
ASSETS
House at 12 Currumbin Close Carindale QLD $560,000
Share Portfolio (Blues Chip Listed Shares) $345,000
Motor Vehicles $ 60,000
Furniture $ 85,000
Cash at Bank $ 45,000
LIABILITIES
Home Loan with ABZ Bank $190,000
ABZ Bank Credit Card (Limit $20,000) $ 10,000
Financial Position of Bisset’s Real Estate Pty Ltd Assets
Business Goodwill $250,000
Plant &
Equipment
$35,000
Debtors $30,000
Liabilities
ABZ Bank Overdraft (limit $40,000 secured by
residence)
$25,000
(Keep in mind that, in the absence of actual tax returns which would confirm the income
distribution of the trust, any profit would be distributed and taxed in the hands of the
beneficiaries. For the purposes of this assignment, assume company tax of 30%, even

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though in "real life" of course you cannot assume and the distributions would be clear in
“real life” financials.)
Property being purchased
Vacant Land
423 Belmont Road, Belmont QLD 4171
Lot 84 on RP 9564 Zoning “Special Purpose” Area 3000m2
Existing Property
Shopping Centre
55 Park Road, Belmont QLD 4171
Lot 43 on RP 9542 Zoning “Commercial” Area 1850m2
Tenancies
Tenant Rent Term Rent Review
J & R Blend
T/A Blend News
$22,000 pa net 3 + 3 years Annually by CPI
Copelin Accounting Pty
Ltd
$18,000 pa net 1+ 1 +1 years Annually by CPI
R Spragos
T/A Roger’s Deli
$28,000 pa net 5 + 5 years Annually by CPI

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Vu Nguyen
T/A Care Pharmacy
$20,000 pa net 3 + 3 years Annually by CPI
M Goodson
T/A Good Alterations
$8,000 pa net 3 + 3 years Annually by CPI
Bisset’s Real Estate
Pty Ltd
$42,000 pa net 3 + 3 years Annually by CPI
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