This is an academic article that contains the real life day to day working experience of different tasks in Credit Department of Dhaka Bank Limited, KDA Avenue Branch. Provided detailed information about the organization with its company profile, Corporate Vision and Mission, product & service and resources.Discussed about the overall credit risk grading processes of DBL which starts with the branch and done fully under head office¿s credit department.The whole system has been described elaborately keeping in mind the most important segments. In addition the diagrams Credit Risk Grading score sheet add a clear understanding of the system.

Curriculum Vitae of Fatima KhanBusiness graduate from Khulna University, one of the best business schools in Bangladesh.Worked previously for Standard Chartered Bank, Later shifts to teaching profession, Conduct Finance and Accounting courses in under-graduate and graduate level.