CHAPTER 1

INTRODUCTION

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1.1. Introduction:

Bank is very old institution that is contributing toward the development of any economy and is

treated as an important service industry in the modern world. Economic history shows that

development has started everywhere with the banking system and its contribution towards

financial development of a country is the highest in the initial stage. Modern banks play an

important part in promoting economic development of a country. Bank provides necessary funds

for executing various programs in the process of economic development .they collect savings

from large masses of people scattered throughout the country, which in the absence of banks

would have remained ideal and unproductive, these scattered amounts are collected, pooled

together and made available to commerce and industry for meeting the financial requirements.

Bank plays a vital role in the economy by providing means of payment and mobilizing resources.

Bank is the most important financial institution in the economic development of a country

depends on the development of banking sector. Today's modern banks are not only providing

traditional banking but also expanding the many financial services. In today's world the life of

the people directly are within the arena of banking whether conventional or Islamic banking is

not a newer concept in Bangladesh as it has started its operation since 1983, very few people are

aware about its operation. But things are changing. Islamic banking is also getting popularity in

the country.

1.2. Rationale for Selecting the Report:

I have worked my internship in Mutual Trust Bank Limited ( Gulshan Branch) and I have found

there that the bank is generally containing three major departments which are: the “General

Banking department”, the “Credit management department” and the “Foreign exchange

department”. And all those departments of Mutual Trust Ltd. have their own responsibilities to

assist strongly on the overall operation of the organization and ensure the consistency of the

noticeable growth that Mutual Trust has achieved within only 15 years of its operation. Although

due to the “Human Resource” policy of Mutual Trust, I have to work for all those departments

by rotation during my internship period, Credit risk is one of the most vital risks for any

commercial bank. Credit risk arises from non performance by a borrower. It may arise from

either an inability or an unwillingness to perform in the pre-commitment contracted manner. The

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credit risk of a bank is also effect the book value of a bank. The more credit of a particular is in

risk, the more probability of a bank to be insolvent. Therefore, the status of depositor in the bank

is at risk and probability of incurring loss from their deposited value. For these reasons, They are

implementing Total Quality Management (TQM) methods to control those risk. That’s why; I am

interested to prepare the affiliation report on the basis of Credit Risk Management operations of

Mutual Trust Bank. In addition to working for such a department will help me a lot as a

Operations Management major student to gather practical knowledge in the field. And as it is my

desire to work as a employee for Mutual Trust in future, these early practical knowledge’s will

be useful for me in my future career.

And the affiliation report will also hopefully be useful for the department of business

administration of AIUB to clearly understand the “Credit Risk Management department.” as

operation as a whole.

1.3 Background of The Organization

MUTUAL TRUST BANK is one of the private Commercial Banks, operating in Bangladesh. It

is a top ranked organization among the oldest five Commercial Banks in the country which was

incorporated in September29, 1999 as a public limited company in Bangladesh under Companies

Act, 1913. It commenced its banking business under the license issued by Bangladesh Bank. The

Bank started its journey on October 24, 1999. Through opening its first branch at B. B. Avenue

Branch in the capital, Dhaka city. As so, it is known as First Generation Bank. Some very

renowned Banking Personnel and businessmen of the country are the sponsors of the bank. The

Bank is committed to contribute significantly in the national economy. It has made a positive

contribution towards the socio economic development of the country by opening 49 branches on

which 16 authorized dealer (AD) throughout the country.  To render improved services to the

clients imbued with banking spirit of brotherhood peace and fraternity and by developing an

institutional cohesion. The Bank is committed towards establishing welfare oriented banking

system, economic uplift of the lower-income group of people, create employment opportunities.

Mutual Trust Bank is the largest local commercial bank operating in Bangladesh. They have a

huge customer base that is ever growing. Mutual Trust Bank is mainly providing two types of

service.

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1) Corporate Financial Services

2) Consumer Financial Services.

Consumer financial services include account opening, card services, loan facilities, and so on.

General Banking is one of the parts of customer financial service. General banking consists of

account opening for various types of deposit and saving scheme, card issue, cheque book issue,

receiving foreign remittance etc.

1.3.1 History

The Company was incorporated on September 29, 1999 under the Companies Act 1994 as a

public company limited by shares for carrying out all kinds of banking activities with Authorized

Capital of Tk. 38,00,000,000 divided into 38,000,000 ordinary shares of Tk.100 each. Board of

directors as agents of the shareholders, monitors the functions of the bank whether it is

performed efficiently or not and also solves all the problems. The Company was also issued

Certificate for Commencement of Business on the same day and was granted license on October

05, 1999 by Bangladesh Bank under the Banking Companies Act 1991 and started its banking

operation on October 24, 1999. As envisaged in the Memorandum of Association and as licensed

by Bangladesh Bank under the provisions of the Banking Companies Act 1991, the Company

started its banking operation and entitled to carry out the following types of banking business.

The Company (Bank) operates through its Principal office at Dhaka and 68 branches and 12

SME/Agri Branches Service Centers. The Company/Bank carries out international business

through a Global Network of Foreign Correspondent Banks.

I. Investment in Merchant Banking Activities

II. Investment in Company Activities Financial, Promoters, Capitalists.

III. Financial Intermediary Services.

IV. Any related Financial Service

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1.3.2 Vision

Mutual Trust Bank’s vision is based on a philosophy known as MTB 3 vision. We envision MTB

to be:

1) One of the best performing bank in Bangladesh.

2) The bank of choice.

3) A truly world class bank.

1.3.3. Mission

We aspire to be the most admired financial institution in the country, recognized as a dynamic,

innovative and client focused company, which offers an array of products and services in the

search for excellence and to create an impressive economic value.

1.3.4. Overall Strategic Objectiveso To ensure inflow of funds at combinations of least possible cost.

o To maintain a discreet credit policy.

o To enhance versatility and diversification through the penetration of new market segments,

thereby fulfilling unmet needs.

o To extend financial assistance to the citizenry, living at dispersed locations by expanding the

network of branches.

o To practice stronger IT-driven initiatives that will meet the challenges and requirements of the

bank and its clientele.

o To provide extensive career opportunities through competitive payand benefits and a flexible

environment.

1.3.5. Authorized Capital of MTBL

The MTBL’s Authorized capital is Tk. 38, 00,000,000 divided into 38,000,000ordinary shares of

Tk.100 each.

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1.3.6. Products and Services of MTBLThe MTBL concentrates the following categories of banking services-

o Retail Banking:

Deposit Product

Loan Product

MTB Cards

o Corporate Banking:

Term Finance

Working Capital Finance

Trade Finance

Offshore Banking Syndication & Structured Finance

o SME Banking:

MTB Bhagyobati

MTB Kishi

MTB Mousumi

MTB Revolving Loan

MTB Small Business Loan

MTB Digoon

MTB Green Energy Loan

o NRB:

NRB Savings A/c

o Treasury:

Money Market

DIBOR

Foreign Exchange

Primary Dealers Business

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1.4. Objectives:

General Objectives:

To learn a brief idea about operations of Credit Risk management of Mutual Trust Bank

Limited.

Specific Objectives:

To know about different type of credits offerings by Mutual Trust Ltd. such as

consumer credit, house finance, car loan etc.

To know about the terms and procedures and the legal obligations of issuing

different credit loans to the clients.

To get a practical knowledge about the process of collecting on the credit offered.

To learn about the risk management of credit in Mutual Trust Ltd.

To learn how the organization is using its Operations Management force in credit

department.

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CHAPTER-0 2

ACTIVITIES UNDERTAKEN

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2.1 Work Related:

As per the human resource policy of Mutual Trust Bank Limited, I have worked more or less in

all the departments by rotation there during my internship period. But, as an Operations

Management major intern, I have passed most of the time in my internship period working in the

Credit risk management department, which is a part of the credit department of Mutual Trust

Bank Limited. Because, working process in this particular division best matches my educational

background. As a Operations Management student I have always been taught in the university

about the importance of maintaining service quality. And no department other than this credit

risk management department gives so much effort for gaining and retaining the potential service

quality. That is why, I feel very fortunate to get opportunity to work for this division for most of

the times of my internship program.

I have worked here under the supervision of Mr. S. M. Fahad Bin Kamal (Head of credit

operation, Mutual Trust Bank Gulshan Branch). The activities those I have done in the credit risk

management division, generally can be divided basically into four major phases, which have

been “Credit analysis” to describe any process for assessing the credit quality of the borrower or

obligor, “Credit Disbursement” (initial) assessing all the formal documents, “Credit Monitoring” to

minimize Credit loss, and “Credit Recovery” to directly manage accounts with sustained

detoriation. The activities have been discussed below in details:

Figure -2.1: Credit Risk Management Process (4 key Parts)

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2.1.1. Credit Analysis:

The term of Credit analysis is used to describe any process for assessing the credit quality of the

borrower or obligor. While the term can include credits coring, it is more commonly used to refer

to process that require human judgment. One or more people, called credit analysts, I have

worked as an assistant with them. They were reviewed information about the counter party. This

might include their balance sheet, income statement, recent trends in its industry, the current

economic environment etc. it may also assess the exact nature of an obligation. For example:

secured debt generally has higher credit quality than subordinated debt of the same issuer. Based

upon this analysis, the credit analysts assign the borrower (or the specific obligation) a credit rating, which can

be used for making credit decisions.

They are doing credit analysis by some work procedures. The work procedures are shown below by the Frame

work.

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4. Credit Evaluation Committee

5. Return to Source.

5. Send to CRM to Risk Mitigation

No

1. Sourcing

Yes

2. Initial Screening3. Proposal Development & Structuring

Figure-2.1.1: Credit Analysis Procedures

2.1.1.1. Credit Risk Assessment:

In credit risk assessment, Risk Management (RMs) originate all the assessment results in the

assessment results in the form of credit Application prior to the granting of loans, and at least

annually after that for all facilities which is approved by the CRM (Credit Risk Management).

The RM is held the owner of the customer relationship, and responsible to ensure the accuracy of

the entire credit application submitted for approvals. RMs must be familiar with the bank’s

lending guidelines and should conduct due diligence on new borrower, principals, and

guarantors. All banks should have Know Your Customer (KYC) and money laundering

guidelines which should bead here’d to at all time. Applications should summaries the results of

the RMs risk assessment and include, as a minimum, the following details:

o Amount and Types of loans proposed.

o Purpose of loans.

o Loan Structure ( Tenor, Covenants, Repayment Schedule, Interest)

o Security arrangements. In addition, following risk areas are also addressed.

o Borrower Analysis

o Industry Analysis

o Historical Financial Analysis

o Projected Financial performance

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Figure-2.1.1.1: Credit Risk Assessment (KYC Profile Form)

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Figure-2.1.1.1: Credit Risk Assessment (Risk Rating)

2.1.1.2. Risk Grading:

Risk grading is a key measurement of a bank’s asset quality and as such, it is essential that

grading is a robust process. All facilities should be assigned a risk grade. The credit risk grading

system is vital to take decisions both at pre- sanction stage as well as post- sanction stage. In this

risk grading tool, Credit applicant’s aggregate risk factors are graded after grading and scoring

each risk factors. Here is a table of risk grading and how the risk grading is calculated is shown

below.

Table-2.1.1.2: Scores of different risk grades

The more conservative risk grade (higher) should be applied if there is a difference between

the personal judgment and the Risk Grade Scorecard results. It is recognized that the

banks may have more or less Risk Grades; however, monitoring, standards, and accounts management

must be appropriate according to the assigned Risk Grade.

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2.1.2. Credit Disbursement:Credit disbursement occurs after assessing all the formal documents like credit application, other

business documents of the borrower, financial sheets, CIB report, CRG score sheet etc.

According to Bangladesh Bank guidelines the disbursement procedures take place in the

following ways-

Security documents are prepared in accordance with approval terms and legally

enforceable. Standard loan facility documentation that has been reviewed by legal

counsel should be used in all cases.

Disbursements under loan facilities are made when all security documentation is in place.

CIB report / include the name of all lenders with facility & outstanding. All formalities

regarding large loans and loans to directors should be guided by Bangladesh Bank

Circulars and related section of Banking Companies Act.

2.1.3. Credit Monitoring:To minimize credit losses, monitoring procedures and system should be in place that provides an

early indication of the deteriorating financial health of borrower. At a minimum, system should

be in place to report the following expectations to relevant executives in CRM (Credit Risk

Management) and RMs (Risk Management) team:

Past due principal or interest payments, past due trades bills, account excesses, and

breach of loan covenants.

Loan terms and conditions are monitored, financial statements are received on a basis,

and any covenant breaches or exceptions are referred to CRM and RM team for timely

follow- up.

Timely corrective action is taken to address findings of any internal, external or regular

inspection / audit.

All borrower relationships / loan facilities are Reviewed and approved through the

submission of credit application at least annually. Computer systems must be able to

produce the above information for central / head office as well as local review.

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2.1.3.1 Loan Classification & Provisioning:

In order to strengthen credit discipline and bring classification and provisioning regulation in line

with international standard, Bangladesh Bank issued a master circular on loan classification

and provisioning through BRPD circular no 5dated June 5, 2006. The revised policy

covers an independent assessment of each loan on the basis of objective criteria and

qualitative factors which is appended below:

Table -2.1.3.1: Loan classification based on Qualitative factors &Objective criteria

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2.1.3.2. Early Alert Accounts:

As a part of ongoing monitoring process, an account may be found to have some weakness,

which clearly indicates the symptom of non-repayment of loan. This type of account should be

reported in the Early Alert Account. The loan accounts excluding micro credit/scheme loan

which have potential risk in deteriorating the quality of the assets and may cause nonpayment of

the loans & advances and those loan accounts which require special care as well as monitoring in

order to maintain the quality of the assets, will have to be reported in the Early Alert Account.

The potential risk may be arisen from the following areas:

Industry concern

Management / Ownership concern

Balance sheet weaknesses

Cash flow weaknesses

Poor account conduct

Expired Limit / Pending documents

Therefore, all the credit officers will carefully and constantly monitor all the corporate

(Business) clients who are enjoying credit facility from our bank and while monitoring, if any

account is found to be showing weaknesses which may result in the non-performing of the loan,

then immediately treat the account as Early Alert and accordingly report the same to the Head

Office.

2.1.4. Credit Recovery:

The Recovery Unit (RU) of Credit Risk Management should directly manage accounts with

sustained deterioration a risk rating of Sub standard (6) or worse. Banks may wish to transfer exit

accounts graded 4-5 to the Recovery Unit for efficient exit based on recommendation of Credit

Risk Management and Corporate Banking. Whenever an account is handed over from Risk

Management to Recovery unit, a Hand Over / Downgrade Checklist should be completed.

The Recovery Units primary functions are:

Determine Account Action plan / Recovery Strategy.

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Pursue all options to maximize recovery, including placing customers into receivership or

liquidation as appropriate.

Ensure adequate and timely loan loss provisions are made based on actual and expected

losses.

Regular review of Grade 6 or worse accounts.

2.2 Organization- Wide:

Mutual Trust Bank is one of the recognized private commercial bank in Bangladesh; within a

short period of time after its operations began it has created an image in the banking sector in

spite of existing numerous rivals. From the beginning till now Mutual Trust Bank is strongly

committed to provide a better quality service to the customer and at a time the authority is

providing an excellent facility to the employees. Here at Mutual Trust Bank I started my

internship from the 15th of October. This is the first time I am working in a professional

environment, and I didn't find it difficult to adjust. Through this internship program, I have got to

learn a lot in the banking sector, about the professional life, etc. The Bank contains three

departments at a time, which are General banking, Credit and Foreign exchange. And the credit

risk management department under which I have spent most of the times of my internship period

is one of the biggest parts of the credit department.

2.2.1Credit Risk Management:

The Credit Risk Management Division is vital for the efficient functioning of MTBL. It critically

scrutinizes the credit proposals from risk weighted point of view before sanctioning approvals ensuring

a high quality credit portfolio. The goal of credit risk management is to maximize a bank's risk-

adjusted rate of return by maintaining credit risk exposure within acceptable parameters. Banks need to

manage the credit risk inherent in the entire portfolio as well as the risk in individual credits or

transactions.

2.2.2. Credit Risk:

Credit risk is the possibility of failure of a borrower to meet agreed obligation. With the

present days de-regulation and globalization, the bank’s range of  activities has

increased. Expansion of the bank’s lending operations, covering a risk areas and therefore to

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work out robust credit risk management policy. At MTBL, credit risk may arise in the following

forms –

o Default Risk

o Exposure Risk

o Recovery Risk

o Counter Party Risk

o Related Party Risk

o Legal Risk

o Political Risk 

To mitigate credit risks, following measures are in place at MTBL:

(a) Mission, Vision and objectives

(b) Credit principles.

(c) General policy guidelines in conformity with Bangladesh Bank guidelines and industry best

practices.

(d) Rigorous credit process

(e) Sector wise lending caps

(f) Lending policy and strategy to different areas

(g) Collecting CIB of Bangladesh Bank.

(h) Critical assessment of repayment capacity in pre-investment analysis stage

(i) Credit Risk grading of the client

(j) Provision for Insurance coverage

(k) Taking Collaterals

(l) Annual credit review

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2.2.4. Credit Principles:

In managing credit risk effectively Mutual Trust Bank Limited:

Maintains a judicious ratio between Loan and Deposit.

Pursues a credit that aims at credit expansion by maintaining credit quality. Does not

compromise with standards of excellence.

Extends credit facilities in such a manner that each extension become rewarding and

ensures superior return on capital.

Extends credit facility upon adequate pre-investment analysis and repayment capacity of

the client.

Avoids credit concentration through rational diversification of credit.

2.3 Other Relevant Activities:

In order to make my affiliation report, I have collected the relevant information by

personally interviewing the officers and executives of Mutual Trust Bank Limited

(Gulshan Branch).

Sometimes I have made the photocopy and computer print outs of the relevant

documents.

As cash is the hurt of the banking process, the Gulshan branch requires huge amount of

money every day. And they bring that money from Bangladesh Bank. As, the branch

needs someone to monitor the cash carrying process, I have been sent several times to do

so.

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CHAPTER 3

CONSTRAINTS/CHALLENGESAnd

PROPOSED COURSES OF ACTIONSFor

IMPROVEMENT

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3.1 Issues/ Problems Observed in the Organization:

Mutual Trust Bank Limited is one of the pioneers in Commercial Banking Business in the

private Sector in Bangladesh. And I feel fortunate to do my internship in such an organization

(Mutual Trust Bank Limited- Gulshan Branch). I have learnt a lot of things by working over

here. But besides, some problems and constrains have been observed by me throughout my

internship period. And I also observed some other issues. Below, such issues and problems

regarding Mutual Trust Bank Limited (Gulshan Branch) have been discussed.

Some important departments or divisions such as Credit Risk Management, SME, Card

division etc. which are missing in the other local branches; all has been present here at

this branch. And that is why the branch often faces lot of difficulties to handle customers

of different divisions and with varieties of problems. So, the responsibilities should be

shared with the other branches of Mutual Trust Bank Limited around.

The number of employees is less in comparison to the load of responsibilities. For an

instance, me as an intern has performed the cash/ remittance carrying duty, which is

actually the task of an officer grade employee.

Inadequate space is another big problem as the branch has to handle so many customers.

Mutual Trust Bank has maintains a few co-ordinations with the related divisions and

departments. Lack of co-ordination caused a lot of suffer of the risk managers as well as

the customers.

Lack of Operations Management in the Credit Risk Management department. Risk

Managers often could not found all necessary documents and information for credit risk

assessment. That’s why risk managers use their assumption on risk management. Data

collection checklists are not duly filled by the Relationship Managers.

Another problem for the credit or the debit card customers is the inadequate number of

ATM booths.

Online banking is active, but it is not highly promoted and secured. To cope up with the

modern banking service, the online banking must be promoted more and for satisfying

the customers, the Mutual Trust Bank Limited should take action to make them feel

secured about it.

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There is lack of effort from the bank to track the complains of the customers and take

quick corrective actions.

3.2 Academic Preparation

I have observed the whole department during my internship period; I didn’t identify any of major

mismatches between the assigned tasks and other operational functions of the organization with

my academic preparation during the work. Between these times, I saw the process of risk

minimizing and their recovery procedures. But in the academic sector I have only learned about

how to minimize the risk, where as in the practical field I have also learned about the risk

recovery process, the tools and techniques they have implied against this risk recovery process

which they use every time. As they need to concern about the customer satisfaction and their

reputation in market, so they should also think to develop the new recovery process and

techniques on the basis of market situation.

3.3 Missing Knowledge and Skills that need to be learnt in the University:

As an Operations Management Major student, I have faced some real difficulties

especially to understand the basic general banking activities. Not only this but also I have

observed that as the business school graduate, we must need to interact with the bank and

know the basic activities of banks even if we don’t work there. That is why I would like

to recommend the university management to start a core course on “Banking” for all the

students in the undergraduate level.

More practical lessons those can make the students well prepared for their future career,

are need to be given.

AIUB should also arrange business seminars more often so that the students can enrich

their knowledge about the practical job life by listening to different successful corporate

personnel.

The Microsoft office programs should have been included in the “Computer

Fundamental” course.

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CHAPTER 4

LESSONS LEARNT FROM THE INTERNSHIP PROGRAM

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4.1 Implications from Organizational Perspective:

I started my internship program in Mutual Trust Bank limited (Gulshan Branch) which is located

in Gulshan-2. And as an Operations Management major intern, there I have been given the

opportunity to spend most of my time by working for the Credit Risk Management of the branch.

The Credit risk is playing crucial role in the overall operations of the bank as it is supporting the

organization to minimize overall risks its customers and helping to compete strongly in the

modern era of banking. But somehow I have felt that the lack of Operations Management is

creating obstacles for the expected outcome from this department. Yes, the particular division is

doing really well especially in term of maintaining the core rules and regulations in issuing and

collecting on Loan and Deposits from the customers. But, this is the fact that they need more

man power and much stronger Operations Management plan to achieve the desired success

through this division. And I also think that the overall process of the Credit Risk Management

department is needed to be more flexible for the customers to achieve greater Quality full

service.

4.1.1 Lessons Learnt From Bank’s Internship Program:

Learnt about how to manage quality for credit risk in an organized way.

Learnt about how to issue the credit proposals of customers.

Learnt about how to maintain files and related registers.

Learnt in practical about building sustainable customer relationship.

Learnt about the working environment of the service industry.

Got the idea about banking and corporate culture in Bangladesh

4.2 Implications to University’s Internship Program:

The internship program has been a massive opportunity for me to learn in detail about the

banking and the corporate culture in Bangladesh. And such experiences have made me realized

the significance of the internship program as the partial requirement of completing my business

school graduation. And this internship program has also been useful for me to know how to

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implement all my theoretical lessons to the real life job. Finally, I would like to thank my

university for such a real life working experience.

4.2.1 Lessons Learnt From University’s Internship Program:

Learnt about how to make a formal affiliation report.

Learnt about how to imply work experience in to a report.

Learnt about how to use the study knowledge into the practical life.

4.3. Others:In this internship period I have learned some important issues of work life such as punctuality,

time management, the art of working in a group, corporate rules and regulations etc. which are

likely to help me in near future when I will work for any organization.

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CHAPTER 5

CONCLUDING STATEMENTS

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5.1 Concluding Statements:

Banking sector in Bangladesh is very much competitive. Along with local banks there are many

foreign banks also operating in Bangladesh. The banking sector seems to be operating

satisfactorily with the orientation of an increasing number of banks into the economy. As the

competition is too high, the banks need to plan and develop new and updated products and

services continuously to cope up with the everyday competition. The entire policy of the bank is

designed in a way which always tried to avoid default risk. Adequate power of the top

management for monitoring credit operation makes the bank culminates in the banking

sector. It takes some steps to minimize loss that is very good decision. The bank

also supports development of trade, business and other commercial activities in the country. It

also cover the full rang service to exporter and importer extending various facilities such as cash

credit, short term loan, local bill purchase and foreign bill purchase and other facilities – which

also leads the bank.

5.2 Recommendation for University (AIUB):

As an Operations Management Major student, I have faced some real difficulties

especially to understand the basic general banking activities. Not only this but also I have

observed that as the business school graduate, we must need to interact with the bank and

know the basic activities of banks even if we don’t work there. That is why I would like

to recommend the university management to start a core course on “Banking” for all the

students in the undergraduate level.

More practical lessons those can make the students well prepared for their future career,

are need to be given.

AIUB should also arrange business seminars more often so that the students can enrich

their knowledge about the practical job life by listening to different successful corporate

personnel.

The Microsoft office programs should have been included in the “Computer

Fundamental” course.

5.3Recommendation for Mutual Trust Bank Limited: Page | 28

For effective credit risk Management of Mutual Trust Bank Limited, credit monitoring and

judgmental decision after efficient analysis is important that would result in good customer

relationship with greater profit earning for the institution with fulfilling NPL (Not Performing

Loan) target. Some researchers have also drawn a sort of recommendation that should be

considered necessary for effective Credit Risk Management; these are as follows:

Sufficient Workforce and allocate a standard Risk Assessment time.

Development and training program can be arranged for Credit Risk Analysis.

Follow-up and Monitoring procedures need to be developed.

Adequate information and documentation procedures need to be developed.

Development of their tools and techniques for Credit Risk Management.

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APPENDIX

Appendix:

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Resume of

SUDIP GANGULY

Address: House#16, Road#12, Nikinjo#02, khilkhat, Dhaka- 1229. Contact Number: +88 01926446344, E-mail: sudipganguly15@yahoo.com

Career Objectives

To serve at a responsible position in a well-structured organization and successfully apply acquired academic knowledge and interpersonal skills to enhance organizational efficiency.

Education

Bachelor of Business Administration (BBA)

Institution: American International University, Bangladesh (AIUB)

Major: Operations Management CGPA: 3.59 out of 4 (up to 123 credits out of 126 credits)

Higher Secondary Certificate (HSC)

Institution: Cantonment College, Jessore

Group: Business Studies GPA: 4.5 out of 5 Year of passing: 2010

Secondary School Certificate (SSC)

Institution: Jessore Zilla School, Jessore

Group: Business Studies GPA: 4.69 out of 5 Year of passing: 2008

Academic Research

“Student perception and awareness regarding national issues in Bangladesh”(December 2013)

“ primary school admission procedures in Bangladesh and its impact on students and their parents”(December 2012)

Industry analysis of tobacco industries

Personal skills

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Verbal and written skill in both English and Bengali Efficient user of Microsoft word, Microsoft excel , Microsoft PowerPoint Active participant in any productive team work Skilled in making formal reports and making visual and oral presentation on them Proactive in building good relationship with people. Good in sports

Interests

To interact with people frequently To read books and journals regarding history, finance, politics, sports and adventures To watch different movies To play outdoor games and to watch cricket and football in Tv

Personal Details

Father’s Name: Gourango Chandra Ganguly

Mother’s Name: Namita Rani Mukherjee

Date of Birth: 9th November, 1993

Marital Status: Unmarried

Nationality: Bangladeshi

Permanent address: House No- 204/A, Ghope Nowapara road, Jessore

Reference

Sultanul Nahian HasnatAssistant ProfessorDepartment of Operations ManagementFaculty of Business AdministrationAmerican International University-BangladeshBanani, Dhaka-1213, Bangladesh.Tel: 880-2-9890804, 9894641 / Ext. 520Email: nahian@aiub.edu

Indrojit ChakrovertyAssistant ManagerSonali Bank Ltd.Jhenidah Branch, JhenidahContact: +8801710824202Email: indrojit.iu@gmail.com

Signature:----------------

(Sudip Ganguly)

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