Project Appraisal and Credit Management

• Title : Project Appraisal and Credit Management
• Course TYPE : Training Course
• Course No : TC42/2022
• Duration : 08 Working Days
• Frequency : 02
• Time : Tuesday 1st of November 2022 - Thursday 10th of November 2022
• Nature: On-campus (Residential)
• Target Group : Senior Officer or Equivalent Officer and above working/likely to work in the Credit Department
• Methods : Lecture, Group Discussion, Case Study Project Preparation, and Field Visit
• Resource Person: BIBM Faculty and Professionals from Financial and Other Institutions
• Coordination Team :
  1 . Dr. Md. Mosharref Hossain
  2 . Benazir Ishaque
  
• Objectives:

  a. To Develop Basic Knowledge of Project Concepts, Formulation, Identification and Selection, Techniques of Project Appraisal, Costs & Financing Modes, and, Feasibility Study.

  b. To Familiarize the Participants with Different Forms of Credit, Regulations, Policy Guidelines, Processes of Credit Investigation, and Selection of borrowers.

  c. To Understand Various Techniques of Credit Documentation, Risk Management, Loan Pricing.

  d. To Equip the Participants with the Tools and Techniques for Credit Monitoring, Supervision, and Recovery of Non-Performing Loans.

• Contents:

  a. Concept of Project,     Identification, Formulation, and selection of Project, Different Techniques of Project Appraisal, Cost and means of Project Financing and, Project Feasibility Study.

  b. Different Forms of Credit, Importance of Credit, Macro and Micro Aspects of Bank Credit and Credit Policy Guidelines.

  c. Credit Investigation-Credit Information Bureau, Credit Report and Selection of Borrowers.

  d. Appraisal and Processing of Term Loan Proposals-Marketing Aspect, Technical Aspect, Financial Aspect, Management, Organizational Aspect, Environmental Aspect, Socio-Economic Aspect.

  e. Analysis of Financial Statements- Common Size Financial Statements, Ratio Analysis, and Cash Flow Statement Analysis.

  f. Credit Risk Management (CRM)-Credit Risk Assessment, Internal and External Assessment of Risks, Internal Credit Risk Rating System (ICRRS) for Corporate Sector, Procedural Guidelines, and Approval Process.

  g. 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.

  h. Loan Portfolio Risk Management- Portfolio Management of Loan, Strategies, and Performance Evaluation.

  i.  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.