Course Code: ACCT 4102; Course Title: Credit & Risk Management

Chapter-01-Credit and It’s classification

1. Define credit-20,19,18, 17,15
2. briefly discuss the various form of funded and non-funded bank credit in Bangladesh. 20,19,18,
17
3. Briefly explain the types of credit. -15
4. Shortly explain the various forms of Islamic mode of investment in Bangladesh. -20,17,15
5. State the conceptual difference between traditional banding credit and Islamic banking investment. -17
6. Explain the terms 'Hire Purchase Under Sirkatul Melk' and 'Quard-E-Hasana. -15
Chapter-02-Credit Management: A conceptual Framework
1. Define credit management-20 ,19,18,15
2. depict the flowchart of credit management. -20,19,18
Credit Officer
1. Define Credit officer-20, 19, 18,15
2. Credit officers’ attitude towards credit has been changed over the years. Explain the changing
attitudes of credit officers? -20,19,17,15
3. exhibit the credit officer's decision-making process. -20,19,17,15
Credit Policy
1. Define Credit Policy-18,17,15
2. Credit policy is the anchor of credit. It directs the credit activities of a bank. State the components of a
standard credit policy. -20,19,18,17,15
Initiation
1. List the information usually supplied by credit application-15
credit Interview
1. Define credit/loan Interview and Investigation? -20,18,17,15
2. A loan interview helps a credit officer in various ways. What are the goals of the loan
interview? -19,15
3. Differentiate between interview and investigation. -20,18
4. "Kreps identified some important steps of credit investigation". What are they? Explain. -20
5. A credit investigator should have some knowledge in several basic fields. What is the basic knowledge
a credit investor should have? -19 / Qualities of a credit investigator-17,15
6. During loan interview, a loan reviewer should concentrate his/her attention to some areas."
What they are? -15
Credit Analysis
1. What is Credit Analysis? -20,19,18,17,15
2. Explain 11 C's in credit analysis. -20,18,17
3. Discuss why relationship marketing is important for banks in Bangladesh. -18
4. State the indicators that credit officers should consider in judging the repayment capacity of
borrowers. -17,15
5. analysis the steps in the optimal approach of credit officer's financial analysis. -19,15
6. Explain the sources of information from where a credit officer can get information to judge the
creditworthiness of borrowers. -19,18
7. c) Discuss why cash flow is an important issue for credit analysis. List the sources of generating cash
for repayment of the loan?-17
8. List the C's of credit and explain what credit officer should look to judge the
(i)Character, (ii) Capacity, (iii) Capital, and (iv) Collateral of the loan applicant.
(v) corporate life cycle.-19,15
Credit Report
1. What do you mean by analysis credit report? Explain the different types of the credit analysis report. -
20,17
Credit Structuring
1. Explain shortly credit structuring with appropriate examples.-17

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Loan Documentation
2. What do you mean by loan documentation? -20,18 ,15
3. What ideas one should keep in mind to improve loan documentation? -20,18,15
Loan Review and Monitoring
4. Write the principles of effective loan review operation suggested by Wood. -20,18,17
5. Define credit monitoring and review.20,19,18,17
6. Write the objectives and advantages of monitoring and review. -20,19,18,17
7. What matters should banks include in their loan review program according to Ruth?-18
Credit Policy
8. What are the questions that are important for credit officers to confirm the purpose of credit as per Lucas? -
20
Problem Loan
9. Define problem loan.-17
10. "Before turn into problem loan, we observe some symptoms that the loan will turn into problem
loan." What are the symptoms? -18,17,15
11. Briefly discuss the causes of the problem loan. -19,17
12. Discuss the ways the commercial bank can handle problem loans. -19,18,17
Credit Grading (CRM)
13. Make a comparison between the Credit Risk Grading Model (CRGM) and Internal Credit Risk Rating
(ICRR) and comments on it. -20
14. What do you mean by CRG? -19,17,15
15. Mention the name and the types of grades used in CRG. Mention the features of the superior
loan. -19,17,15
16. Write the Objective criteria of loan classification (BRPD Circular No.-09. Date-18/06/2012).
-19,18,17,15
17. State the conditions for eligible collateral. -19,18,17
Prudential Regulation
18. Explain the classification and provisioning rules as per BRPD Circular. -20
19. Briefly Discuss the rules regarding rescheduling of loans according to the BRPD Circular. -20,18,17
20. Explain guidelines and rules for rescheduling (only down payment) as BRDP Circular No.
08; June 14, 2012.
21. Mention, in brief, the guidelines and down payments rules for rescheduling. What are the
conditions for a new loan facility after rescheduling? -19
22. State the conditions for the new loan facility after rescheduling? -17
23. "Islami Bank performs its CSR by the way of Quard-e-Hasannah."-Is it true? Explain. -20
Others
24. ) What do you mean by feasibility study? State the main components of financial feasibility and
management feasibility. -18
25. "There is various loan classification form (CL) a bank needs to submit to the Bangladesh Bank."
Depict these CL forms with provision rates. -18
26. Write short notes on (i) CAMEL and (ii) BASEL-3.03d) In the Credit Risk Grading (CRG) manual we
calculate some risks. State the name of these risks with their relative weight in CRG. -18

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