Course Details

Project Appraisal and Credit Management

  • Title : Project Appraisal and Credit Management
  • Course TYPE : Outreach Training Courses
  • Course No : OTC04/2021
  • Duration : 05
  • Frequency : 01
  • Time : Sunday 26th of September 2021 - Thursday 30th of September 2021
  • Nature: Online
  • Target Group : Senior Officer or equivalent officer and above working/likely to work in the Credit Department
  • Methods : Lecture, Group Discussion and Case Study
  • Resource Person: BIBM Faculty and Professionals from Financial and other Institutions
  • Coordination Team :
    1 . Anila Ali
    2 . Dr. Sk. Md. Golam Saklayen
  • Objectives:

    a.    To develop basic knowledge of project concepts, formulation, identification and selection, techniques of project appraisal, costs & financing modes, feasibility study.
    b.     To familiarize the participants with different forms of credit, regulations, policy guidelines, process of credit investigation and selection of borrower.
    c.    To understand various techniques of credit documentation, risk management, loan pricing and credit collection procedures.
    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, Project Feasibility study.
    b.   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.    Appraisal and Processing of Term Loan Proposals-Marketing Aspect, Technical Aspect, Financial Aspect, Management and Organizational Aspect, Environmental Aspect, Socio Economic Aspect.
    d.    Analysis of Financial Statements-Financial Spread Sheet (FSS), Common Size Financial Statements, Ratio Analysis, Cash Flow Statement Analysis.
    e.    Credit Risk Management (CRM)-Credit Risk Assessment, Internal and External Assessment of Risks, Internal Credit Risk Rating System (ICRRS) 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 and Non-legal Measures for Loan Recovery.

BIBM member banks can access to 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 Training Course / Training Workshop. Maximum number of participants in each Training Course / Training Workshop 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 Training Course / Training Workshop. Information in regard to rejection of any nomination will be communicated to the concerned bank at least three (03) days before the commencement of Training Course / Training Workshop. No participant under the target group/level is allowed for participation in any Training Course / Training Workshop.

All BIBM Training Courses / Training Workshops are residential. Thus, all member banks (except Bangladesh Bank) are required to pay Tk.1500 per day per participant including holiday (if any) as food and hostel charges. For Bangladesh Bank, Tk. 500 per day per participant including holiday (if any) as food and hostel charges. All charges are excluding VAT and Tax.

The pay order / bank draft drawn in favor of BIBM is to be sent at least seven (07) days prior to the commencement of the Training Course / Training Workshop.