Experience
- At least 7 years
Education
- Bachelor/Honors
- Masters
Graduation or Post-Graduation in Commerce, BBA, MBA, or a relevant discipline from a UGC-approved local or reputable foreign university will be preferred;
No Third division/class/equivalent result in any academic examination.
Requirements
- At least 7 years
Additional Requirements
Minimum 5 years of experience in related field and 7 years total work experience in banking sector; It can be relaxed in case of exceptional quality or demonstrated capacity.
Excellent communication, interpersonal & presentation skills.
Having Investment related knowledge.
Customer service and customer manageable ability.
Strong analytical skill to analyze Home & Other Retail Investment proposals.
Have a good idea about local business & economic situation depends on nature & area.
Highly PC literate with an emphasis on Microsoft Word, Excel & PowerPoint.
Responsibilities & Context
The Investment Risk Analyst is responsible for supporting the Retail Investment Risk Management (IRM) function by conducting detailed risk assessments of retail investment proposals. The role ensures strict compliance with Product Program Guidelines (PPG), investment policies, Shariah principles, and regulatory requirements. The position focuses on thorough documentation review and preparation of comprehensive risk evaluation notes to support informed decision-making by the Unit Head and Head of RIRM.
Major Responsibilities:
Investment Appraisal:
Scrutinize, assess, and review Home Investment & Semi Puccs-Home Investment proposals in accordance with Product Program Guidelines and Bangladesh Bank regulations.
Identify potential investment risk factors and recommend appropriate mitigation measures; communicate post-assessment findings and proposal status to the business unit and the RIRM unit Head.
Review and verify the accuracy, adequacy, and completeness of required documentations including trade licenses, bank statements, tax records, collateral/security documents etc.
Recommend investment proposals within the approved delegation of authority and exception grid framework.
Ensure adherence to standard Turnaround Time (TAT) for processing investment files.
Prepare Final Approval Letters / Sanction Letter and share with respective stakeholders.
Conduct customer premises visits as required for verification and risk assessment purposes.
Financial Assessment:
Analyze bank statements to validate the applicant’s declared income.
Assess and justify income by cross-checking supporting documents and ensuring consistency among CIB reports, CPV reports, Brach assess Business/Rental income verification reports, and other relevant documents as appropriate.
Evaluate the client’s financing requirement and repayment capacity based on assessed income and existing repayment behavior.
Obtain and incorporate collection feedback on a case-by-case basis to support informed investment decisions.
Portfolio Monitoring:
Analyzing delinquency trends, utilization patterns, and payment behavior across the portfolio based on MIS report.
Post factor approval of Home Investment files assessment when require.
Compliance & Shariah Adherence:
Ensure all investment proposals comply with AIBPLC’s internal investment policies as well as Bangladesh Bank’s prudential guidelines and regulatory requirements.
Comply financing structures, purpose of investment, and documentation fully adhere to Shariah principles and approved Shariah-compliant frameworks.
Identify, highlight, and escalate any deviations, irregularities, or non-compliance issues and recommend appropriate corrective actions.
Coordination & Communication:
Coordinate with branches and the Retail Division to obtain missing documents, clarifications, or additional information required for proposal assessment.
Work closely with unit members, business departments, Shariah Compliance, and Documentation units to ensure accurate and timely processing of investment proposals.
Provide constructive feedback to branches to enhance the quality of risk assessment and improve documentation standards.
Recommend periodic updates and revisions to Product Program Guidelines (PPG) and policies, considering market dynamics and emerging risk factors.
Other Responsibilities:
Perform any other function/task as and when assign by the superiors.