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Audit & Assurance

Credit Audit in Bangladesh

A credit audit is designed to confirm post-approval compliance with the lending terms and conditions an institution has set down. For banks and financial institutions managing commercial credit — particularly large borrowers — it assesses the likelihood of default, identifies emerging risks and recommends control measures at the individual account level. FM Consulting International conducts credit audits with reference to Bangladesh Bank guidance and risk-focused internal audit frameworks.

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What a credit audit covers

Our review verifies that approved facilities continue to comply with their agreed terms and conditions after disbursement. We check the accuracy of borrower information and payment details, look for any unauthorised credit lines, and review hard inquiries recorded on credit reports — building a clear picture of post-sanction compliance and exposure.

Our approach

FMCI assesses creditworthiness using application data and appraisal tools, helps establish reasonable credit limits aligned with industry norms, and reviews the clarity of contracts that define each party's obligations. We also evaluate the institution's ongoing monitoring and debt-collection procedures so that credit quality is managed throughout the life of the facility, not just at origination.