Loan Processing and Credit Management at Trust Bank PLC, Rangamati Branch

Abstract

This internship report provides a review of the credit management and loan processing functions in detail. At Trust Bank PLC one of the most renowned commercial banks in Bangladesh. The purpose of the internship was to be performed to complement the academic knowledge and practical banking experience especially in the Credit Division- the place where I was observing and being involved in several activities, including customer assessment, disbursement and post-loan monitoring as well as documentation. The major points of the report are: • A detailed description of the types of loans and facilities (both funded and nonfunded) • The documentation of the loan approval and disbursement process, the workflow thereof. • Hands-on experience in CIB reporting, risk assessment, collateral valuation and CRM software. • Credit monitoring, early warning and recovery processes. • Automation difficulties and suggestions, client acquisition, and legislative compliance The report will culminate with the recommendations to improve the efficiency of the operations and harmonize banking services having changing market needs. It seeks to offer practical knowledge that is scholarly applicable and practically effective