An analysis of loan evaluation process of Sonali Bank Limited at distilary road branch

Abstract

In the internship report, I was primary work in the loan and advance department from 15 June 2022 to 15 September 2022 for 3 months mostly in loan documentation part from the proposal to loan approval. Loan department is a creative part of the Sonali Bank Limited at distilary road branch because of the unique credit analysis and valuation process to identify the right customer for the loan. I was given research literature review to find the previous loan department analysis and bank financial performance in the report. This report contains both primary and secondary data to become a valuable report with more authentic and reliable for the analysis. Sonali Bank Limited have many kinds of loan but I was working only five types of loan which are Staff loan, small loan, Personal loan, CMSES loan, Secreted Overdraft loan. Every loan has quit similar documentation process like loan proposal submission, land or asset or salary or account statement base on loan requirement after that CIB (Credit Information Bureau) report and the final step is the documentation and filing. In the part of documentation, I was deeply work in the Sonali Bank Limited at distilary road branch an all my experience and valuable data describe in the report analysis part. I am doing the loan department related account ratio analysis for five years with the help of the Sonali Bank Limited annual report from 2016 to 2020. I was preparing the loan CL report during my internship period and learn the loan classification on hand experience in the July closing Sonali Bank Limited at distilary road branch. I am contributing the default loan case and learn the Artha Rin Adalat Ain in 2003 however Sonali Bank Limited file case is many ways but during my internship period I was mostly saw the Artha Rin Adalat Ain in 2003 filing, documentation, and necessary paper for the filing the case and details describe in my report. Moreover, I have some on filed work experience to visit the small shop for the loan recovery with the loan officer and also learn the advance Microsoft excel work for loan EMI calculation. I find some point of improvement in the loan department in distilary road branch which I am give as a recommendation at the end of my report. I try to apply my finance major course learning knowledge during giving the recommendation part moreover I learn a lot about Sonali Bank Limited loan and advance department with practical field work in my internship period.