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1. Credit Monitoring
Muslim Commercial Bank

2. Credit Monitoring
• process of periodically reviewing your credit
• reports for accuracy
• changes that could be indicative of fraudulent
activity

3. Goals and Objectives of
Monitoring:
The main objectives of credit monitoring are following.
For checking the utilization of fund which are syndicated by bank.
To see the terms and condition as stipulated at the time of sanction of
funds.
For checking the implementation of project in time to avoid time and cost
over-runs.
For evaluating the performance in term of production, sales, profit etc.
For checking the management effectiveness and staff motivation.
For assessment of industrial climate and general and external environmental
factors like Govt. policies, availability position of inputs like power, raw
material etc.
To detect signals and symptoms of sickness for corrective action.
To check the accumulation of statutory dues, creditor, old stocks of finished
goods etc.

4. Muslim Commercial Bank

5. Muslim Commercial Bank
• 4th largest bank of Pakistan with A1+ rating
• Assets based of USD 7 billion
• 1190 Branches network all over the Pakistan
• 22 Islamic branches all over the World
• First Privatize bank of Pakistan
• Business strategies
• Information technology

6. Stages of Credit Monitoring
There are two stages of credit monitoring
• Pre-operational stage
• Post operational stage

7. Pre-operational stage of MCB
MCB
branch
Legal
advisory
departm
ent
branch
Credit
review
departm
ent
branch
Credit
Risk
Control
division
branch
A

8. Remote commercial branch
• Loan application Form
• Basic borrower Fact sheet
• Credit information bereaue

9. Legal advisory Department
• Review the documents
• Check the previous performance
• Monitor the legal requirements
• Send back to remote branch

10. Credit Review department
• Review all the documents
• Loan Limits (MCB providing 50% against
collateral)
• Payback tenure
• Approval sheet
• Internal conditions
• Send back to remote branch

11. Credit Risk Control Department
• Review the borrower performance in depth
• Check borrower over due and right off
• Facility advisory letter
• Formal credit book
• IB bonds 12,25,26,29
• Send back to remote branch

12. Remote branch
• Disbursement authorization certificates
• Approved all the documents by the borrower
• Check to CRC division
• Issuance loan after approval

13. Factors consider under loan
issuance
• Time over run
• Cost over run
• Roll back
• PERT and CPM techniques
• Clean up period
• Vender management unit

14. MCB Regulators
• Assets evaluation
• Vender management unit
• Clean up period
• MUQADUM
• Regional and local reviews committee

15. Post operational stage
• Monitoring the credit
• Control the risk factor
• Inspection and audit reports

16. SBP requirements
• Personal details timely
• Stock securities (through MUQADAM )
• Insurance
• Payback installment time
• Authority visits

17. MCB other tools
• Recovery notifications
• Warning Calls
• Authority Visit
• Recovery Agencies
• Legal Action

18. Credit Facilities of MCB
• Bridge financing
• Overdraft
• Cash finance
• Letter of credit
• Bank grantees
• Demand finance