The loan products and credit risk management of National Credit and Commerce bank Limited

Abstract

This internship report is prepared as the requirement for the completion of MBA program of BRAC University. The report is on “The Loan Products and Credit Risk Management of National Credit and Commerce Bank limited.” The report is planned to assist its reader in detailed understanding of the credit risk management process which has now become crucial for the financial institutions. The purpose of this report is to give an idea about credit process and credit risk management procedure of National Credit and Commerce Bank limited and how ICRRS helps to assess the credit risk of the bank. Firstly, I have discussed about the background, objective, scopes, methodology, limitations, rationale and also the sources of data I have collected from. Secondly, I have provided the company profile containing all the information about the organization, their mission, and vision, objective, products and services etc. Thirdly I have discussed about the credit management of NCCBL including loans products and procedures, also the recovery system, principal of sound lending. I have also tried to give an idea about credit risk management and the internal credit risk rating system that is used for credit assessment and risk mitigation process. Finally, I tried to give some suggestions to the base of my knowledge and experience that I have achieved during the time of doing my internship at NCCBL Dhanmondi branch, which can help them to achieve more efficiency in credit risk management. For better understanding of the processes the whole system has been described with the help of different tables, flow charts and figures about credit approval procedures and documentation, credit management and the risk management systems.