Lending Operations & Risk Management Syllabus
Posted by Ripon Abu Hasnat on Monday, May 26, 2014 | 0 comments
LENDING OPERATIONS AND RISK MANAGEMENT
Full Marks: 100
Module A:
Introduction of Loan Portfolio Management in Financial Institution
Credit
Planning, Policy and Vision, Complete Transaction.
Module B: Principles
of Good Lending and Credit Process
Different
Types of Borrowers and Loan Accounts, Selection of a Borrower, Loan Interviewing
and Credit Investigation, Loan Sanctioning and Disbursement Process.
Module C: Commercial
Lending Environment
Characteristics
of a Good Credit Officer, Features of Good Loan Policies.
Module D: Basic
Financial Analysis
Financial
Statement Analysis, Financial Spread Sheet: Communize and Comparative Financial
Statements, Cash Flow, Fund Flow, Ratio Analysis, Credit Scoring System.
Module E: Term
Lending by Banks
Appraisal
of Term Lending Cases, Technical Aspect, Marketing Aspect, Managerial Aspect,
Financial Aspect and Economic Aspect, Cost of The Project and Means of Financing,
Capital Budgeting Techniques, Internal Rate of Return (IRR), Economic Rate of
Return (ERR), Cost-Volume-Profit Relationships.
Module F: Working
Capital Lending
Requirements,
Estimation and Techniques.
Module G: Financial
Projection
Projected
Financial Statements, Cash Budget.
Module H: Lending
Risk Management
Concept
and Technique, Credit Risk Grading (CRG) Techniques, Bangladesh Bank Guidelines
and Regulations, Portfolio Risk Assessment and Management Technique, Asset
Securitiesation, Credit Derivatives, Loan Syndication, Loan Sales etc.
Module I: Loan
Structuring and Pricing
Module J: Modes of
Charging Securities, Loan Documentation
Module- H: Follow-up,
Repayment and Reporting, Problem Loans
References
1
Bedi, H.L. and V.K. Hardikar. Practical Banking Advances.
Institute
of Banking Studies, India.
2
IBB guidelines and Circulars.
3
Morsman, Jr. Edgar M. Commercial Loan Portfolio Management. Robert Morris Associates,
U.S.A
4
Ruth, George E. Commercial Lending.American Bankers Association, U.S.A.
5
Signoriello, Vincent J. Commercial Loan Practices and Operations.Bankers
Publishing Company, U.S.A.
6
Simha, S.L.N. Credit Management.IFMR, Madras.
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