Academic Calendar 2012 - Bangladesh Institute of Bank Management

CREDIT APPRAISAL AND MANAGEMENT
1. Title : Credit Appraisal and Management
2. Duration : 05 working days
3. Frequency : 01
4. Nature : Non-residential
5. Target Group : Senior Officer or equivalent officer and above
Working/likely to work in Credit Department
6. Methods : Lecture, Group Discussion and Case Study
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 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) Comparative and Common
Size Financial Statements, Ratio Analysis, Cash Flow Statement Analysis.
d. Appraisal and Processing of Term Loan Proposals- Marketing Aspect; Technical Aspect;
Financial Aspect; Cost of the Project and Means of Financing, Financial Projections,
Assessment of Working Capital, Cost – Volume- Profit (CVP) Analysis, Capital Budgeting
Techniques, Management and Organizational Aspects; Environmental Aspect; Socio
Economic Aspect.
e. Credit Risk Management (CRM)- Credit Risk Assessment, Internal Assessment and External
Assessment , Credit Risk Grading for Corporate , Bank and NBFI Clients, Procedura l
Guidelines, Approval Process.
f. Credit Administration- Loan Structuring and Pricing, Sanctioning, Documentation and
Repayment Schedule, Disbursemen t Procedures , Selection, Valuatio n and Security,
Creation of Charges, Insurance of Goods, Security Compliance Certificate Checklist, Credit
Collection Procedures.
g. Credit Monitorin g and Recovery- Non-legal measures-Earl y Alert Process , Loan
Classification and Provisioning, Identification of Non-performing Loans, Strategies for
Managing Non-performing Loans, Loan Workout Rescheduling and Write-off, and Legal
measures.
h. Loan Portfolio Risk Management- Technique s of Portfolio Management, Performance
Evaluation of Loan Portfolio.
10. Course No. : OR 04/2012
a. Time : September 16-20, 2012
b. Venue : Rangpur
c. Coordination Team : 1. Sk. Nazibul Islam
2. Atul Chandra Pandit
Outreach Training Courses
Academic Calendar 2012 BIBM 55