Course Details

Project Appraisal and Credit Management

  • Title : Project Appraisal and Credit Management
  • Course TYPE : Training Course
  • Course No : TC24/2022
  • Duration : 08 Working Days
  • Frequency : 02
  • Time : Tuesday 7th of June 2022 - Thursday 16th of June 2022
  • Nature: Online
  • Target Group : Senior Officer or Equivalent Officer and above working /likely to work in the credit department
  • Methods : Lecture, Group Discussion, case study Projection, and Field visit
  • Resource Person: BIBM Faculty and Professionals from Financial and Other Institutions
  • Coordination Team :
    1 . Md. Ruhul Amin
    2 . Maksuda Khatun
  • 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, Process 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, and Organizational Aspect, Environmental Aspect, Socio-Economic Aspect.

    e.  Analysis of Financial Statements-Financial Spread Sheet (FSS), 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.

Terms and Conditions:

1. 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 five (05) participants for a Training Course / Training Workshop. The 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 the Training Course / Training Workshop. No participant under the target group/level is allowed to participate in any Training Course / Training Workshop.

2.  All member banks are required to pay Tk.1000 per day per participant including holidays (if any) as a course fee. All charges are excluding VAT and Tax.

3. 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 Training Course / Training Workshop.

4. BIBM will send Meeting ID to the nominated participants (through email) to join the zoom meeting app-based interactive session. Moreover, the course Coordination Team and BIBM Training Wing will regularly communicate with the nominated participants for further updates.

5. The Training for each day will be as follows:

1st Session: 11.00 am – 12.00 pm      

2nd Session 12.05 pm – 13.05 pm

Lunch & Prayer Break: 13.05 pm – 14.05 pm

3rd Session 14.05 pm – 15.05 pm

4th Session 15.10 pm – 16.10 pm