Prime purpose of this thesis paper is to analysis SME Banking operations of Standard Chartered Bank. Other objectives are introduce the SME credit offers of SCB and introduce a systems approach in the SME credit approval policies of this bank. Here also focus on the SME loan application process flow and show the process flow that is automated and maximize efficiency based on SME Banking. Finally analysis structure process flows by standardizing existing practices and create a framework that discloses an emerging profitability potential towards the organization and also to the whole SME sector of the country.