Associate Manager, Credit Risk- Medium Business

Job Description

Title: Associate Manager, Credit Risk- Medium Business

Company Name: BRAC Bank PLC

Vacancy: --

Age: Na

Job Location: Anywhere in Bangladesh

Salary: Negotiable

Experience:

• 3 to 6 years
• The applicants should have experience in the following business area(s): Banks

• 3 to 6 years
• The applicants should have experience in the following business area(s): Banks

• Minimum three to six years of working experience preferably in relevant field with in-depth knowledge in credit assessment and risk mitigation.

• Effective communication and interpersonal skills.

• Strong and demonstrated working knowledge of MS Office.

• Customer-centric, self-motivated, a team player, and capable of meeting deadlines.

BRAC Bank PLC is a full-service private commercial bank in Bangladesh, aiming to become the most trusted, innovative and inclusive bank, driven by purpose and powered by people. It plays a pivotal role in shaping the country`s financial future, with a clear focus on sustainability. With the highest market capitalization, the highest international shareholding and the country’s best credit rating, the bank leads the Bangladesh banking industry in key financial metrics. BRAC Bank is considered the standard bearer of good governance, ethics and values-based banking. BRAC Bank today serves as a trusted partner for individuals and businesses across every segment of the economy - Small & Medium Enterprises (SME), Corporate & Institutional and Retail Banking.

BRAC Bank PLC is currently seeking a highly motivated, intelligent, and purpose-driven professional to join its Risk Management Division in the following position:

Associate Manager, Credit Risk - Medium Business

Job Grade: SO-PO

KEY RESPONSIBILITIES:

• Evaluate credit proposals submitted under the SME/Medium Business segment, ensuring alignment with internal credit policies and regulatory guidelines.

• Conduct on-site visits to client business premises to verify operations, assess business viability, and ensure robust due diligence.

• Analyse both financial and non-financial information, including financial statements, cash flow statements, industry dynamics, and management quality.

• Prepare comprehensive credit appraisal reports (credit memos) with clear risk identification, structuring, and mitigation strategies for approval.

• Assess key risk factors associated with each proposal and recommend appropriate credit structures and covenants.

• Maintain up-to-date knowledge of market trends, industry developments, and competitive landscape to support informed credit decisions.

• Ensure timely turnaround (TAT) of credit decisions while maintaining high-quality assessment standards.

• Monitor existing portfolio performance, identify early alerts, and escalate potential risks to minimize non-performing loans (NPLs).

• Monitor sanction terms, covenants, and conditions on a periodic basis; escalate breaches where necessary.

• Periodic review and renewal of existing credit facilities, including root cause analysis of delinquent accounts.

• Collaborate effectively with business units, risk teams, and other stakeholders to ensure seamless credit processing and portfolio management.

• Support management with additional assignments and contribute to continuous improvement of credit processes.