Associate Manager/ Manager, Auto Loan Retail Underwriting

Job Description

Title: Associate Manager/ Manager, Auto Loan Retail Underwriting

Company Name: BRAC Bank Limited

Vacancy: Not specific

Job Location: Dhaka

Employment Status: Full-time

Educational Requirements:
∎ MBA/ Master's Degree in relevant field would be preferable from a UGC-granted university or an internationally accredited university;

Experience Requirements:
∎ At least 3 year(s)

Job Responsibilities:
∎ Scrutinize, assess and review all kinds of auto and personal loan (self-employed and employee banking) proposals according to the lending guidelines and regulations of the bank;
∎ Ensure compliance with internal policies and procedures and external regulatory requirements throughout the assessment process;
∎ Approve loans as per Delegation of Lending Authority (DLA) and identify, calculate and mitigate possible risk factors;
∎ Assess client's requirement and repayment capacity using the key financial indicators; perform phone interview/ physical visits to customers as required;
∎ Ensure standard Turnaround Time (TAT) of loan processing and maintain Service Level Agreement (SLA) throughout the assessment process;
∎ Process all sorts of requests for re-structures/ intimation and review any other post disbursement requests of relevant loan clients following the bank's policies and regulations;
∎ Review existing Program Policy Guidelines (PPG), and policy and recommend changes subject to market variables and regulatory requirements;
∎ Recommend, execute and assist other stakeholders in process improvement;
∎ Assist in specific projects/tasks as assigned by management;
∎ Monitor and review portfolio trends and overdue analysis and share the findings with management;
∎ Prepare training material and presentation and conduct training/ knowledge sharing sessions for credit analysts and business channels;
∎ Provide support during external and internal audits and inspections.

Additional Requirements:
∎ Minimum 3 years of experience in Retail Underwriting under Credit Risk Management Division will be preferable;
∎ Analytical ability, ability to the assessment of credit risk and mitigation strategy;
∎ Knowledge of financial modeling, financial spread sheet analysis, and loan structuring;
∎ In-depth knowledge of CRM Policy (Bangladesh Bank), credit-related circulars and guidelines (external and internal), Bank Company Act, Foreign Exchange Transaction Act, loan documentation, etc.;
∎ Expertise in dealing with officials of Bangladesh Bank;
∎ Good interpersonal communication skills;
∎ Proficiency in Bangla and English;
∎ Strong command over Microsoft Office Package;
∎ Self-propelled, proficient in customer-centricity, team player, and capable of meeting deadlines.

Job Source: Bdjobs.com Online Job Posting.

Application Deadline: 25 Jun 2022

Company Information:
∎ 20 Jun 2022
∎ BRAC Bank Limited
∎ Business : BRAC Bank, the pioneer of SME Banking in Bangladesh, delivers a full array of banking services to individuals and business entities. Its financial results, along with the best credit rating from the top-rated global and local agencies and multiple best financial report awards, speak of the bank`s aspiration, transparency, and teamwork towards becoming the best bank in the country.

Category: Bank/Non-Bank Fin. Institution

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