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Project Appraisal and Credit Management (Outreach, Khulna)
a. To Familiarize the Participants with Different Forms of Credit, Regulations, Policy Guidelines, Process of Credit Investigation and Borrower Selection.
b. To Understand Various Techniques of Credit Appraisal, Risk Management, Loan Pricing and Loan Procedures.
c. To Equip the Participants with the Tools and Techniques Required for Credit Monitoring, Loan Recovery, And Managing Non-Performing Loans.
a. Different Forms of Credit, Importance of Credit, Macro and Micro Aspects of Bank Credit, Credit Policy Guidelines.
b. Bangladesh Bank Guidelines on Credit Risk Management (CRM).
c. Credit Investigation-Credit Information Bureau, Credit Report, Selection of Borrowers.
d. Analysis of Financial Statements-Comparative and Common Size Analysis, Ratio Analysis, Cash Flow Statement Analysis, Ascertainment of Internal Credit Risk Rating System (ICRRS) Score for Business Borrowers.
e. Appraisal and Processing of Term Loan Proposals-Marketing Aspect, Technical Aspect, Financial Aspect, Management and Organizational Aspect, Environmental Aspect, Socio Economic Aspect.
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 and Non-legal Measures for Loan Recovery.
Terms:
a. BIBM member banks can access the online nomination form before forty (40) days of the commencement of programs. BIBM member banks can nominate a maximum number of three (03) participants for a Outreach Training Course (Non-Resident). The maximum number of participants in each Outreach Training Course is 40. However, if the number of total nominees exceeds the maximum number, a final list of 40 participants will be prepared by the BIBM authority which will be available online five (05) days prior to the commencement of the Outreach Training Course. Information in regard to rejection of any nomination will be communicated to the concerned bank at least three (03) days before the commencement of the Outreach Training Course. No participant under the target group/level is allowed to participate in any Out Training Course.
b. As per the decision of the BIBM Governing Board, BIBM Member Banks (except Bangladesh Bank) are required to pay BDT 1800 per day per participant including holidays (if any) as training fees which also include Food, and other miscellaneous expenses. However, for Bangladesh Bank, the fee is BDT 500 per day per participant. All Fees are excluding VAT and Tax.
c. The pay order/bank draft drawn in favor of ‘Bangladesh Institute of Bank Management’ has to be sent at least seven (07) days prior to the commencement of the Outeach Training Course.