FNS40815 CERTIFICATE IV IN FINANCE AND MORTGAGE BROKING -

ASSIGNMENT 1

Task

Using the information contained in the Scenario below, please complete the following 6 tasks. You must complete each task in order for your submission to be assessed. Omission of any of these 6 tasks will be regarded as Working Towards Competency and you will then be required to resubmit in full.

1. Complete the Fact Find document on these clients - using the form in Appendix 14.

- We have not included all supplementary information on these clients so you will need to create your own "improvised" answers for inclusion in the Fact Find document.
Trainees who already have access to their own version of a Fact Find template may use their own form as an alternative to that provided in Appendix 14.
2. Recommend a product for the clients and explain your reasons for recommendation
3. List the supporting documents that would be needed to support the loan
4. Complete loan costing sheet *
5. Complete a loan servicing calculation (NSR) *
6. Complete a loan application form (an ANZ loan application form has been provided for you which you must use) and complete all of the accompanying documents as provided for you. Your answer to this Activity should be prepared as if you were submitting a real full loan application to the lender.
Please note: If there is information required on the ANZ application form that is not supplied, please improvise. The application should be completed as neatly as possible to ensure ease of review. It is to be submitted to NFI as if NFI is the lender and you were an accredited broker (but you do not need to make up "dummy" supporting documents eg. rates notice, etc). If you do not submit in a professional manner, your assessment will not be marked.

* The fees and charges required in order to complete this assignment correctly (ie. Estimate of Costs worksheet) can be found in Unit 7 (use your own state-specific section at the back of Unit 7) and the instructions for how to complete the NSR form are in Unit 8. A Lenders Mortgage Insurance Chart (for your LMI calculation if applicable) is found in Unit 7. Trainees should ensure they source their fees and charges from these units.

Scenario

Clients: Mary Jane Dowell DL No.: 4167384
DOB: 06/06/65 Australian Passport No.: L93214773
John James Dowell DL No.: 4378691
DOB: 03/05/67 Australian Passport No.: L8078972
Current Address: 46 Collins Street, North Ryde NSW 2113
Time there, 2.6 years Phone 0411 123 456
Previous Address: 37 Maple Street, Gladesville NSW 2111
Time there, 4 years.
Children: 2 children aged 7 and 9

Existing Property: Own Home valued at $995,000
Current outstanding loan balance $180,000 (with CBA) Loan Repayments $1,080 per month
Cash: The clients have $12,000 cash in the bank. Credit Cards: CBA Visa - $5,000 limit (balance $2,000)
Westpac MasterCard - $5,000 limit (balance $1,500)

Mr Dowell works at the Parramatta Council as the tourism manager and earns $115,000 p.a. He has worked there for 8 years.

Mrs Dowell is a primary school teacher at Ryde Primary School and earns $64,000 p.a. She has worked there for the past 3 years after having several years of home duties.

The Dowells own two cars - a 2011 Ford Falcon worth $18,000 unencumbered and a 2011 Pajero worth
$30,000 subject to finance of $20,000 ($450 per month).

The Dowells have a 36 month Interest Free loan from GE for a sound/movie system for $3,000. The minimum monthly payment is 5%.

You interviewed Mr and Mrs Dowell at your office after some initial telephone conversations previously. They both spoke good English as they are permanent Australians for 20 years and they expressed their excitement at buying their second property. They are aware they will need to visit the new lender branch to complete a Customer Identification Procedure prior to finance approval from the lender. They have not yet enquired into an exact payout figure from CBA.

The clients wish to refinance their current loan and purchase an investment property.

The investment property is an established 2 bedroom unit in a residential block of 4 at 45 (Lot 4) Jones Rd, North Ryde and is valued at $685,000.

Rental Income of $650 per week is expected and the body corporate expense will be just $35 per week. They have made an offer on the unit at the asking price, have put down a $1000 cash deposit, and the offer has been accepted with settlement in 60 days.

Title particulars: Lot 4, Folio 3871, Vol. 1821.

The solicitors they will be using are Henderson & Partners, ph 1234 567 890

Assumptions:

Assume this is a cross collateralised loan

Due to the client's request below, assume this structure will be a Split facility

Your clients have told you: that they want to keep the repayments on their home separate from their investment property. They would like to keep the repayments on their home as principal and interest but want to pay interest only on their investment property. They also wish to pay out their personal loan on the car to rationalise their loan repayments. They have agreed that ANZ will be a suitable lender for their circumstances.

Although addresses show NSW, for the purpose of duty and other cost calculations, assume that the clients live in the same state as you (the broker).

You should assume a Standard Variable Rate of 5.5% and a Qualifying rate of 2% above the Standard Variable Rate (for your NSR form).
Assume the current car loan will be paid out by the refinance of the home. Assume the clients will be "full-doc".

1. Complete the Fact Find provided in Appendix 14 or your own company's Fact Find document (and improvise any information that has not been provided in the scenario).

2. Recommend a product for the clients and explain your reasons for the recommendation

3. List the supporting documents that would be needed to support this loan application. Even though there is a checklist in the lender's application form, you must list the documents separately below.

4. Complete the loan costing sheet below
Estimated Costs:
Lender's Loan Establishment/Application Costs $
Valuation cost (if not included above) $
Property Transfer Stamp Duty $ Solicitor/Settlement Agent/Conveyancing Charge $ Registration of new Mortgage $
Register of Transfer of Title $
Title Search $
Discharge of old Mortgage $
Old Lender's Settlement fee $ Miscellaneous Costs (if applicable):
- Other ...................................................... $
- Other ......................................................... $
- Other ......................................................... $
===================
SUB TOTAL $
Lenders Mortgage Insurance (if applicable) $
===================
TOTAL COSTS $
Summary
Purchase price (if applicable) $
Current Loan Amount/s $
Plus 2 months interest on Current Loan $
Plus Total Costs (from above) $
Plus Total Other Debt Consolidations (if applicable) $
===================
Equals Total Funds Required

5. Complete the loan servicing calculation (NSR) by completing the form overleaf.
TIP: Remember this NSR calculation is based on 2 security properties, but you use only one NSR form. You should calculate your loan repayments based on the qualifying rate. Even though the clients have requested Interest Only for their investment property slip, your loan repayment calculations in this NSR form should be calculated at Principal and Interest.
6. Complete the lender's application form (a blank ANZ loan application form has been provided for you) and the other documents as provided for you. Your answer to this Activity should be prepared as if you were submitting a real full loan application to the lender. Remember you must treat this as a cross-collateralised loan structure.
Please note: If there is information required on the application that is not supplied please improvise. The application should be completed as neatly as possible to ensure ease of review. Tax charts, an LMI table and sundry forms can be found in your course content. You do not need to create any "dummy" supporting documents (eg. documents that your client would typically provide to you in a real submission, eg. rates notices), just ensure you list them where required.

For this question you must include the following 5 completed forms (all have been provided for you):

- Lending Checklist
- Summary of product choice
- Privacy Act, Disclosure and Consent
- Loan Application Cover Sheet
- ANZ Application form

TIPS:
Use the LMI table in Unit 7 to calculate your LMI and don't forget LMI stamp duty. Page 6 of the ANZ form is where you show your split facility structure.
On page 9 of the ANZ form Assets and Liabilities should be shown as current / pre-settlement but Income and Expenses are to be shown as proposed / post settlement

ASSIGNMENT 2

Task

Using the information contained in the Scenario below, please complete the following 6 tasks. You must complete each task in order for your submission to be assessed. Omission of any one of these 6 tasks will be regarded as Not Yet Competent and you will then be required to resubmit this assessment in full.
1. Recommend a product for the clients and explain your reasons for recommendation
2. List the supporting documents that would be needed to support the loan
3. Complete a loan costing sheet *
4. Complete a loan servicing calculation (NSR) *
5. Download and complete the FHOG application form that is relevant to your state/territory, from the internet
6. Complete a loan application form (a blank Westpac loan application form has been provided for you which you should use) and complete all of the accompanying documents as provided for you.

Your answer to this Task should be prepared as if you were submitting a real loan application to the lender.
Please note: If there is information required on the application that is not supplied please improvise. The application should be completed as neatly as possible to ensure ease of review. It is to be submitted to NFI as if NFI is the lender and you were an accredited broker. If you do not submit in a professional manner, your assessment will not be marked.
* Important: The fees and charges required in order to complete this assignment correctly (ie. Estimate of Costs worksheet) can be found in Unit 7 (use your own state-specific section at the back of Unit 7) and the instructions for how to complete the NSR form are in Unit 8. A Lenders Mortgage Insurance Chart table (for your LMI calculation if applicable) is found in Unit 7. Trainees should ensure Units 7 and 8 are used to source correct figures for this assignment.

Scenario
Clients: Lynette Mary Grimms DL No.: 417392 DOB: 16/02/70
Gordon George Grimms DL No.: 421814
DOB: 17/09/71
Current Address: 28 Elmslie Street, North Parramatta NSW 2151
Time at address 32 months (Rent $380 per week)
Previous Address: 42 Grant Street, Tweed Heads NSW 2485
Time at address 2 years
Children Two children aged 6 and 8
Credit Cards: ANZ credit card - $6,000 limit (balance $3,200)

The clients are looking to purchase their first home which is a small, newly built 2 bedroom unit at 2/12 Garden Grove Bankstown NSW 2200, for $485,000. The property has never been occupied before.
They have funds of $55,000 of which $35,000 were genuinely saved. The remaining $20,000 was a redundancy payment to Mr Grimms from his previous employer.
Mr and Mrs Grimms are eligible to apply for the FHOG. They are aware there will be a body corporate fee in the new unit complex which they have been told is $75 per week per unit.
Mr Grimms works as a carpenter with a major construction company in Bankstown and has been there for 32 months. His salary is $72,000 p.a. plus he has earned an average of $500 per week in regular overtime over the previous 18 months. He previously worked for a Tweed Heads Joinery company for 4 years before being made redundant when the business was bought out.
Mrs Grimms works as a receptionist/admin assistant with the BB Real Estate company and earns $47,000
She has been there for 30 months. She previously worked for another Real Estate company in Tweed Heads for 4 years.
The clients own 2 cars - a 2010 Holden Ute worth $12,000 and a 2011 Nissan Xtrail worth $20,000 with Nissan finance of $15,000 with repayments of $343 per month over 48 months.

Assumptions:

Although addresses show NSW, for the purpose of duty/cost calculations, assume that the clients live in the same state as you (the broker).
You can assume a Standard Variable Rate of 5.5% and a Qualifying rate of 2% above the Standard Variable Rate (for your NSR form).
Assume the clients will be "full-doc".


TIPS
LVR and LMI: To work out the LVR you first have to decide how much money your client can afford to borrow.
1. One method would be to determine if they could do a 95% loan so you would simply work out what 95% of the purchase price would be. The purchase price is $485,000 x 95% = $460,750 (loan amount) LVR 95%. The LMI is worked out on $460,750 and the clients pay the fees from their own funds or some lenders will allow them to capitalise it into their loan.
2. Another method would be to work out the total funds available to the clients e.g. $55,000 savings plus FHOG. After working out costs and taking these away from their available cash you would then know how much is left for a deposit. Once you know how much deposit they have you would then know the loan size and from there work out the LVR. The LMI is worked out on the loan amount that you end up with. Don't forget to add the LMI stamp duty.
Keep in mind that first home buyers tend to want to do things with their first house, such as carpets, furniture, fittings, etc. and if they have some funds left over after settlement, they wouldn't need to rely so heavily on credit cards, etc.


Please note: The table for living allowances on the NSR sheet is based on the Henderson poverty index and may be used in these assignments as we are not using a real client. However in real life ASIC has ruled that a budget must be completed for each client to assess living expenses (we provide a sample budget form in Appendix B20 for interest).

1. Recommend a product for the clients and explain your reasons for the recommendation

2. List the supporting documents that would be needed to support the loan application. Even though there may be a checklist in the lender's application form, you must list the documents separately below.

3. Complete the loan costing sheet below

Estimated Costs:

New Lender's Loan Establishment/Application Costs $ Valuation cost (if not included above) $
Property Transfer Stamp Duty $ Solicitor/Settlement Agent/Conveyancing Charge $ Registration of new Mortgage $
Register of Transfer of Title $
Title Search $
Miscellaneous Costs (if applicable):
- Rates adjustment $
- Home/contents insurance $
- Progress inspection (construction loan) $
- Other ......................................................... $
- Other ......................................................... $
===================
SUB TOTAL $
Lenders Mortgage Insurance (if applicable) $
===================
TOTAL COSTS $
Summary
Purchase Price $
Plus Total Costs (from above) $
Equals Total Purchase Funds Required $
Less Loan Requested $
Equals Client Contribution

4. Complete a loan servicing calculation (NSR) by completing the form overleaf.

5. FHOG - Your client is eligible for the FHOG. Log into the website of the Office of State Revenue in your own state and download the application for a First Home Owner Grant. Complete this application form and include with your Assignment submission. Any information within the FHOG form that you are unsure of can be improvised. Remember to read the FHOG questions carefully when it comes to signing or initialling.


6. Complete a loan application form [a blank Westpac loan application form has been provided for you which you should use] and complete all of the accompanying documents as provided for you. Your answer to this Activity should be prepared as if you were submitting a real loan application to the lender.
Please note: If there is information required on the application that is not supplied then please improvise. The application should be completed as neatly as possible to ensure ease of review. Tax charts, an LMI table and sundry forms can be found in your course content. You do not need to create any "dummy" supporting documents (eg. documents that your client would typically provide to you in a real submission, eg. rates notices), just ensure you list them where required.

For this question you must include the following 5 completed forms (all have been provided for you:

- Lending Checklist
- Summary of product choice
- Privacy Act, Disclosure and Consent
- Loan Application Cover Sheet
- Westpac Application form

ASSIGNMENT 3

EXERCISE 1

Scenario

A potential first home buyer phones and asks you to explain the various loan options available to them and the benefits and disadvantages of each one. They make mention of "no-frills loans", professional packages, lines of credit and honeymoon rates, so you must cover these 4 in your answer as a minimum.

Task

Write or type a "script" to be used in response to this enquiry that clearly explains the various loan options available and the benefits and disadvantages of each one.
- You do not need to improvise further comments from your first home buyer
- You must incorporate at least one selling message at the end of your script
- Keep your script to 450 words maximum.

We encourage you to type your script, however you may handwrite if you do not have access to a computer.

NOTE: Assume for the purpose of this assessment task that you will focus on answering the specific question, rather than following a prospect sheet or checklist. You do not need to include any conversation from the customer, just your own. This is a summative assessment so you need to utilise the knowledge you have gained from the course overall.

EXERCISE 2

Task

Assume you are now a mortgage broker and you are either working as an independent contractor, or are self-employed or about to open a franchise. Assume you have two other staff members working with you. Their roles are your choice.

Using the template we have provided as a guide, prepare a basic business/marketing plan outline for your business, for the next 12 months, incorporating the following activities:
- Developing professional relationships
- Networking
- Prospecting for clients
- Marketing ideas
- Client retention

Guidelines -
1. You must type your marketing/business plan ie. construct it as a document on your PC and save either as a doc or pdf file. A minimum of 4 typed pages is expected.
2. You will not need to provide any budgeting estimates for the purpose of this Exercise but you are welcome to do so
3. You will not be judged on your typing or word processing ability
4. The marketing plan template we have provided is for guidance only - you do not need to provide information for all of the points outlined unless you feel they are relevant and you do not need to follow the template we have provided if you already have your own business plan document or template to follow
5. You will not be judged on your skill as a marketing expert but on the evidence of your understanding of the points below
6. If you still feel unsure where to start with your business/marketing plan, then you should Google this to get a feel for what different plans can incorporate. We want to know what strategies you would use in order to succeed as a broker.
Points you must cover -
- How do you envisage being able to apply your knowledge, skills and understanding to enable clients' needs and expectations to be met and how will you incorporate the functions associated with the provision of a quality, professional practice to those customers.
- How do you envisage you will develop, nurture and maintain professional relationships with clients, colleagues and other referrals in order to complete work tasks, further the reputation of the organisation or your company, as well as the profession generally, and improve long term relationships and sales.
- How do you envisage you will establish contact and then build rapport both in your own industry and within other finance industries incorporating sales and presentation skills as well displaying an industry-knowledge of regulations, disclosure and selling.
- How do you envisage identifying and contacting potential client prospects through use of networks, leads and research skills.

So just repeating ...

Overleaf is the template mentioned which we have provided for guidance only - you do not need to provide information for all of the points outlined unless you feel they are relevant and you do not need to follow the template we have provided if you already have your own business plan document or template to follow. The template is provided to make it easier for you.

You can use the template as a guide or you can design your own business/marketing plan.

If you do not feel that you have sufficient knowledge to construct a business/marketing plan, you will need to search on the internet for assistance.

If you are going to be working for a company who has their own business plan, you can utilise the ideas within that plan PROVIDED THAT, you customise it to suit your own situation, your own anticipated methodology and your own ideas for how YOU are going to succeed in the finance industry ie. what strategies will YOU utilise.

A minimum of 4 typed pages is expected if you do not use the template.

EXERCISE 3

Summary

For this Exercise you are required to produce 10 new files. At the end of the task, you are required to create a zip file containing all 10 files. Creating a zip file forms part of your assessment process of this exercise. This zip file should then be forwarded or uploaded for assessment. Your Zip file should be named "[Your Name], Exercise 3".

Tip: if you do not already have Microsoft Office software you can obtain free trials on the internet. Below is a suggested site at which you can trial the software for free (or buy it). You may need to provide a credit card as security but as long as you cancel your trial before the 30 days has expired, there will be no charge.

Office 365
Google docs is a free alternative

TASK

Activity 1
Creating three different styles of file

Open each of the following Microsoft (or equivalent) programs:
1. Excel
2. Word
3. PowerPoint

Open/create a new file, ie. a blank document in each of the programs. Type your name into the blank page and save this blank page in each of these programs with the filename "Exercise 3 Activity 1". Close each document and end the program. This will result in 3 new files, with 3 different file extensions.

Activity 2
Creating a formatted business letter

Create a 1 page pretend business letter of three paragraphs, on a topic of your choice and format the letter as follows:
a) Use Times New Roman font size 12
b) Insert/paste a copy of your logo (or a pretend logo if you don't have one) at the top of the page
c) Insert the date in the top right hand corner of the document below the logo
d) Justify the first paragraph
e) Left align the second paragraph

f) Centre the third paragraph
g) Make the line spacing for the first paragraph 1.5 lines
h) Make the line spacing for the second paragraph 2 lines ie. double spaced
i) Save the document as "Exercise 3 Activity 2" as the file name

Activity 3
Creating a spreadsheet

We want to summarise the petrol spent on 5 different cars using a spreadsheet.

- Open a new Microsoft Excel spreadsheet
- Leave the first column blank
- Across the top row create a column for each car called- Car1, Car2, Car3, etc.
- Add row columns titles according to Fortnight and a Monthly Total title
- Beneath each car, insert the fortnightly totals provided below
- Using the AUTOSUM tool, calculate the monthly total for each car
- Save your file, calling it "Exercise 3 Activity 3"

Car1: Fortnight 1 - $450, Fortnight 2 - $490 Car2: Fortnight 1 - $500, Fortnight 2 -$542 Car3: Fortnight 1 - $620, Fortnight 2 - $645 Car4: Fortnight 1 - $490, Fortnight 2 - $511 Car5: Fortnight 1 - $415, Fortnight 2 - $478

Your table structure in Excel should look like this:

Activity 4
Creating an email

Open your Email software and create a new email. In the content invite someone you know to an information meeting.
- Use fictitious information to create the document requesting a meeting in about a week's time.
- If you have a logo please include this under your name/signature line.
- Insert a picture in the middle of your content
- Save your file, calling it "Exercise 3 Activity 4" (if you cannot save your Email then do a screen print and paste into a Word document)

Activity 5
Relaying what you are doing

In Activity 2 above, you created a business document by following the instructions we gave you. Your boss has just asked you the question "How did you create this document". Create a new document and describe to him by summarising, just how you created it and what formatting techniques you used. Save this new document file, calling it "Exercise 3 Activity 5"

Activity 6
Microsoft HELP and Templates

Open Microsoft Help. Search for help on how to Create a Document using a Template. Your task is then to create a simple pretend one page resumé using a resumé template that you choose. When completed, save as ‘Exercise 3 Activity 6".

Activity 7
Formatting text in word processing

Create a new Word document and retype the text provided in the box below. Once the document is typed
- centre and resize the heading
- highlight the two paragraphs and reformat into two columns
- increase the margins for the top and bottom using the ruler/drag method
- increase the left and right margins using ‘Page Setup'
- save the document as "Exercise 3 Activity 7"

Manager Wanted

The new manager will be responsible for overseeing and leading the work of a group of people. The manager will also be responsible for planning and maintaining work systems, procedures, and policies that enable and encourage the optimum performance of our people and other resources within related business units.

Leading people is usually part of the description of what a manager does. But, he or she is also responsible for leadership over a segment of work, a sub-section of the organisation's results, or a functional area within an organisation with or without reporting staff. If a manager has no reporting staff members, the Human Resources segments of this job description may be eliminated or narrowed.

Activity 8
PowerPoint / Slide presentation

Open a PowerPoint or Slide program and create a four slide PowerPoint. Select your own style from the templates provided and include the following information:
1. A header slide
2. An opening statement for your PowerPoint
3. An information page
4. A closing page
The topic can be anything of your choice. To access PowerPoint in Windows, click on ‘All Programs', click on ‘Microsoft Office', click on ‘Microsoft PowerPoint' and templates should be displayed for a new presentation. When completed, save your PowerPoint file as ‘Exercise 3 Activity 8'.

Final Activity for Exercise 3
Zipping your files

You have now created 10 files from the above 8 activities. Next you should go to the folder where you have saved these 10 files, highlight and zip them into a file called "[Your Name], Exercise 3".

EXERCISE 4

TASK

Please answer the questions below. You can either write or type your answers into a separate document. Please name your document file with "Your Name" and "Exercise 4".

You must provide an answer to each question.

In some cases we will give you a reference to the unit in which you will find the information you require. In some cases you may need to rely on your understanding from what you have learned from the content, or undertake a search on the internet.

The questions will also be used to assess your language and literacy skills. The assessor will check all your exercises and 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 skills.
- that they demonstrate your ability to search for products and service information and use problem solving approaches to identify customer needs and expectations.

QUESTIONS

1. List at least 5 points that are important to ensure communication delivers on customer needs, expectations and priorities.

2. It is important that staff should deliver an outstanding customer experience at all times. What are the specific behavioural competencies that this requires and how would this be measured?

3. Using information provided in Unit 2, it is important that an organisation continually improves. How might an organisation collect information to facilitate this?

4. There are many laws that regulate the way businesses may provide service to a client. Why is this important and what is your responsibility?

5. Write a short guide regarding customer service that you would use, as a mortgage broker, to look after a customer. Your guide should not be more than 5 pages (approximately 2,500 words) and should include the following points:
- Identify and clarify customer needs and expectations
- Assess the urgency of the request
- Determine priorities for service delivery

- Inform the customer of possible choices
- Assist in the selection of the preferred option
- Address what action you would take if you were unable to satisfy the customer need
- Seek appropriate assistance where appropriate
- Provide prompt service to customers
- Establish and maintain rapport with customers
- What action might be taken if there was a complaint
- Provide assistance should there be a specific need
- Propose cross-selling opportunities that may be apparent
- Seek customer feedback
- Review customer satisfaction
- Use feedback to improve customer service

6. Detail some clear recommendations on how to improve service delivery to prospective customers.

7. Using information in Unit 11, before a mortgage broker attempts to handle an objection they must first determine what kind of objection they are dealing with. There are three common types of objections. List the three objections and provide a brief explanation of each one.

8. Using information in Unit 12, there are four main personality types a mortgage broker may have to deal with. List the four types and provide a brief description of each.

9. Using information in Unit 12, there is a five point plan to successfully establishing networking, list the five prescribed methods.

10. Using information in Unit 4, list four different sectors of the financial services industry and describe how they interrelate.

11. Name five things you can think of that may make your current or future business more environmentally sustainable (the business can be your own or the business you will, or would like to, be working for).

12. List 10 documents required for an ACL application. You may need to refer to the Appendix 10.

13. Visit four different bank's websites, list one loan product from each website, and list the key features of each of those products

14. Using the steps provided in Unit 9 Practice Activity 1 ‘Calculating Borrowing Capacity', determine what this client can borrow, at an interest rate of 5%, qualifying rate of 7%,a loan period of 25 years, on salaries of Mr X $105,000 gross per annum and Mrs X $47,000 gross per annum, they have two children. They have credit cards of $10,000 limit and a personal loan of $25,000 at repayments of $600 per month. (Tip: if you include your calculations we will try to understand whether your final result has been achieved correctly).

15. Employability Skills

The topics below refer to the basic employability skills you need in order to carry out the duties of a finance broker. Not all the competencies listed below may directly relate to the topics within the course units so you need to think about each topic rather than look for answers in the course itself.

You are required to complete a short statement on each point below that demonstrates how you believe each issue will reflect on your employability skills.
(4 marks, .5 for each point completed)
 COMMUNICATION -
 TEAMWORK -
 PROBLEM SOLVING -
 INITIATIVE AND ENTERPRISE -
 PLANNING AND ORGANISING -
 SELF MANAGEMENT -
 LEARNING -
 TECHNOLOGY -

Attachment:- Assignments.rar

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