July-Dec Course Syllabus, Course Instructor: Md.
Nazmul Hasan| Associate Professor,
2025 Department of Banking and Insurance, University of Dhaka
Department of Banking and Insurance
University of Dhaka
MPB Program July-Dec, 2025
B-502: Credit Analysis and Borrower Selection/ Credit Operations and Management (Sec B)
Course Instructor:
Name: MD. NAZMUL HASAN Designation: Associate Professor
Counseling: Before & After Class by Appointment E-mail: nhp@du.ac.bd
Counseling Place: Room# 4071, MBA Building, Faculty of Business Studies, University of Dhaka
Course Descriptions:
Since the inception of banking business, loan or credit management has always been at the heart of Banks and
Financial Institution’s management around the globe. The worldwide credit crunch, which started in 2006 with sub-
prime mortgages in the United States, has highlighted the fundamental importance of the credit decision. As the
problems in these mortgages unfolded, it was demonstrated that unsound credit decisions had been made and
lessons as to how to manage credit risk effectively had been either ignored or never learned. This shows that poor
lending decisions, whether by a financial institution or a corporate, can lead to significant losses. Therefore, this
course endeavors to include all the pertinent topics including introduction to bank credit, role of credit officer,
processing of credit application, credit assessment and risk grading, functional stages of credit operations, credit
appraisal, export and import financing, loan syndication, security and documentation of bank credit, loan
regulations, identifying and correcting problems.
Course Objectives:
This course covers the essential credit assessment processes that involve credit risk identification, evaluation and
subsequent management. It largely adopts a process- and techniques-based approach to credit risk assessment that
covers a range of judgmental or experience-based methods and more formal or analytical models that have been
developed to support the ultimate decision. The course also covers how credit losses may be mitigated once they
have been incurred and money recovered if a credit defaults on its obligation.
Text Book:
1) Commercial Bank Management by Peter S. Rose & Hudgins, latest Edition, by McGrah Hill Publications.
2) Management of Financial Institutes by Anthony Saunders, Latest edition
3) Credit Operations and Risk management in Commercial Banks by M. A Matin
4) Practical Course Materials on Credit Management practiced by Commercial Banks
Reading Material:
Study materials will be provided by the faculty from time to time including power point slides, relevant practical
Cases, required newspaper cuts and lectures of referred books.
Attendance/Absences:
Class attendance is a requirement of the course. Students must attend a certain percentage of classes (Please see
the departmental catalogue) to be eligible for attending the semester final examination.
Only Students having attendance of 75% or more will be considered as regular and allowed to sit for Mid-term
and Final examinations.
Evaluation Policy:
Mid-term and semester final exams will be held as per the exam schedule of the BBA Program Office.
Assignments & Presentations must have to submit within the time limit given by the course instructor.
Please work in groups for the assignments and Presentation.
July-Dec Course Syllabus, Course Instructor: Md. Nazmul Hasan| Associate Professor,
2025 Department of Banking and Insurance, University of Dhaka
Course Contents:
Chapters Book Reference Chapter Source
Chapter-1 Lending Policies and Procedures: Managing Credit Risk Text Book
Chapter-2 Managing Credit Risk Management: Industry Best Practices https://www.bb.org.bd
Chapter-3 Internal Credit Risk Rating System (ICCRS) https://www.bb.org.bd
Chapter-4 Credit Risk Models : Individual Loan Risk (Theory Class) MGT of FIs. A. Saunders
Reading assignment: Risks Management in Banks Article by R. S. Raghavan
Chapter-5 Credit Risk Models : Individual Loan Risk (Solve Class) MGT of FIs. A. Saunders
Chapter-6 Lending to Business Firms & Pricing Business Loans (Theory) Text Book
Lending to Business Firms & Pricing Business Loans (Solve)
1st Mid-term Examination
Chapter 1 to 6
Chapter-7 Security and Documentation against Bank Credit Guest Lecture/Handouts
Chapter-8 Loan Syndication in Bangladesh PPT-Handouts
Chapter-9 Troubled Asset Management: Asset Securitization Journal Article
Chapter-10 Troubled Asset Management: Loan Sales and Trading MGT of FIs. A. Saunders
Chapter-11 Introduction Export-Import Financing Practical Banking Handouts
Chapter-12 Prudential Guidelines on Loan Provisioning & Classification https://www.bb.org.bd
2nd Mid-term Examination
Chapter 7 to 12
Chapter-13 Prudential Guidelines on Loan Rescheduling https://www.bb.org.bd
Chapter-14 All Prudential Regulations for Banks (Selected Issues) https://www.bb.org.bd
Semester Final Examination
Chapter-1 to 14
Term Paper and Presentation:
Each student is required to research and write a paper about credit management in banks in relevance to the
functional areas of credit operations including processing of credit applications, credit analysis, credit investigation,
credit disbursement, credit monitoring and review. The focus of your paper will be to examine, describe, and explain
how the concepts studied in this course pertain to the lending activities of the public and private commercial banks
operating in our country. Your term paper should be well organized and well written. It should show that you
understand the concepts we have covered in this course, not only in an academic sense, but in the real world
business sense as well.
Grading Evaluation:
1st Mid-term 2nd Mid-term Class Presentation and Final Examination
(Out of 15) (Out of 15) Term-Paper (Out of 10) (Out of 60)
[Note: The teacher has the right to change or alter any time the above syllabus and its materials when deemed to
be necessary. Discussions among the students are very much encouraged.]
BEST OF LUCK!
