The credit risk management of Standard Chartered Bank Limited, Mirpur Branch

Abstract

The Internship report is prepared as requirement of MBA program of BRAC University. This report is on “Credit Process and Risk Management” of Standard Chartered Bank. This report is intended to assist the reader in detailed understanding the credit risk management process. It also attempts to capture the procedures practiced in Standard Chartered Bank (SCB) in relation to credit handling. The purpose of this report is to have an idea about the credit process and risk management procedure of Standard Chartered Bank and then to assess its effectiveness in connection with. In this report, first of all I’ve discussed about the objectives, scopes, limitations and the methodology containing the sources of data I’ve collected from. Secondly, in the organizational part I have provided detailed information about the organization with its company profile, Corporate Vision and Mission, product & service and resources. Thirdly I’ve discussed about the overall credit processes and risk management of SCB which starts with the branch and done fully under head office’s credit department. Finally I tried to give some suggestion to the base of my knowledge and experience which I have achieved during internship at SCB Mirpur Branch, for further growth in credit and convenience in credit risk management and expansion of this Branch. The whole system has been described elaborately keeping in mind the most important segments. In addition the diagrams Credit Approval Process & Credit documentation, Credit Risk Grading score sheet add a clear understanding of the system.