Academic Calendar 2012 - Bangladesh Institute of Bank Management

CREDIT APPRAISAL AND MANAGEMENT
Training Courses
1. Title : Credit Appraisal and Management
2. Duration : 10 working days
3. Frequency : 02
4. Nature : Residential
5. Target Group : Senior Officer or Equivalent Officer and above (Working/likely to
work in the Credit Department)
6. Methods : Lecture, Group Discussion, Case Study and Project Visit
7. Resource Person : BIBM Faculty and Professionals from Financial and other Institutions
8. Objectives
a. To familiarize the participants with different forms of credit, regulations, policy guidelines,
process of credit investigation and selection of borrower.
b. To understand various techniques of credit appraisal, risk management, loan pricing and
credit collection procedures.
c. To equip the participants with the tools and techniques for credit monitoring, legal process
and non-legal measures for loan recovery, and managing non-performing loans.
9. Contents
a. Different Forms of Credit, Importance of Credit, Macro and Micro Aspects of Bank Credit,
Credit Policy Guidelines.
b. Credit Investigation- Credit Information Bureau, Credit Report, Selection of Borrowers.
c. Analysis of Financial Statements- Financial Spread Sheet (FSS) Common Size Financial
Statements, Ratio Analysis, Cash Flow Statement Analysis.
d. Appraisal and Processing of Term Loan Proposals-Marketing Aspect; Technical Aspect;
Financial Appraisal; Management and Organizational Aspect; Environmental Aspect; Socio
Economic Aspect.
e. Credit Risk Management (CRM)- Credit Risk Assessment, Internal and External Assessment
of Risks, Credit Risk Grading for Corporate Sector, Bank and NBFI, Procedural Guidelines,
Approval Process.
f. Credit Administration- Loan Structuring and Pricing, Sanctioning, Documentation and
Repayment Schedule, Disbursement Procedures, Selection, Valuation and Control of Security,
Creation of Charges, Insurance of Goods, Security Compliance Checklist, Credit Collection
Procedures.
g. Loan Portfolio Risk Management- Portfolio Management of Loan, Strategies and Performance
Evaluation.
h. Credit Monitoring and Recovery-Early Alert Process, Loan Classification and Provisioning,
Strategies for Managing Non-performing Loans, Legal Process and Non-legal Measures for
Loan Recovery.
10. Course No. : TC 12/2012
a. Time : February 26-March 08, 2012
b. Coordination Team : 1. D.R. Karmaker
2. Md. Mosharref Hossain
11. Course No. : TC 40/2012
a. Time : November 04-15, 2012
b. Coordination Team : 1. Md. Mahabbat Hossain
2. Tahmina Rahman
Academic Calendar 2012 BIBM 34