Lecture, Group Discussion, Case Study, Panel Discussion and Formulation of Recommendation
Resource Person
Internal/External
Time
From-10 May 2018
To-06 May 2018
Course Coordinator
Saima Kamal
Manager, Learning & Development, NRB Bank Ltd.
Course Objectives:
1. To acquaint the participants with the different dimensions of credit risk faced by banks.
2. To enhance knowledge and skills of the participants for efficient handling of credit risk in banks.
Course Contents:
Different Forms of Credit, Importance of Credit, Macro and Micro Aspects of Bank Credit, Credit Policy Guidelines.
Credit Investigation-Credit Information Bureau, Credit Report, Selection of Borrowers.
Analysis of Financial Statements-Financial Spread Sheet (FSS) Common Size Financial Statements, Ratio Analysis, Cash Flow Statement Analysis.
Appraisal and Processing of Term Loan Proposals-Marketing Aspect, Technical Aspect, Financial Aspect, Management and Organizational Aspect, Environmental Aspect, Socio Economic Aspect.
Credit Risk Management (CRM)-Credit Risk Assessment, Internal and External Assessment of Risks, Credit Risk Grading for Corporate Sector, Bank and NBFI, Procedural Guidelines, Approval Process.
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.
Loan Portfolio Risk Management- Portfolio Management of Loan, Strategies and Performance Evaluation.
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.
