Job Description
Title: Associate Risk Manager-Sr. Risk Manager (EO-AVP), SME-M / Corporate Credit Risk Management
Company Name: The City Bank Limited
Vacancy: Not specific
Job Location: Dhaka
Employment Status: Full-time
Educational Requirements:
∎ Minimum 4 years of graduation from any reputed university.
Experience Requirements:
∎ At least 4 year(s)
Job Responsibilities:
∎ Evaluate credit proposals (Credit Risk Analysis, Business/Industry/Market Analysis, Historical Financial Analysis, Projected Financial Analysis, Technical Analysis, Systematic Risk Analysis, Environmental Risk Analysis, etc.) from both micro and macro-economic point of view.
∎ Provide senior management with a clear view on key business and risk factors, using Credit Risk techniques and expert judgment with proper mitigation.
∎ Assessment of the legitimacy of the borrowing relationship under the purview of the City Bank's credit policy and other regulatory directives.
∎ Structure the credit facilities and limits of a borrower(s) based on client's requirement and assessment of risk associated with lending.
∎ Design the security, collateral, covenants, terms and conditions of the lending in order to protect the Bank from undesired outcomes.
∎ Negotiate at different stages with different stakeholders for feasible and best possible security packages against credit facility.
∎ Preparation of Credit Memorandum with recommendation based on the credit appraisal outcome and submission to the Credit Committee of CBL for further approval by delegated authority.
∎ Managing assigned portfolio by assisting in healthy credit growth through registering customized solution at different credit scenario to maintain consistently conservative yet commercially driven credit culture.
∎ Identify and set additional covenants to address unsatisfactory transaction nature, any unforeseen risk, even before the next review date.
∎ Frequent monitoring of the past due in the portfolio and perfection of security documentation for ensuring proper compliance with approved terms and condition.
∎ Identify probable delinquent account by observing the irregularity in repayment and instruct Relationship Team for taking proactive measures to ensure due repayment in timely manner.
∎ Assist CRM team in periodic review of the Credit Policy Manual (CPM) to incorporate interim policy changes enacted by the Central Bank of Bangladesh.
Additional Requirements:
∎ Age at least 26 years
∎ Both males and females are allowed to apply
∎ Minimum 4 years of experience in Credit or Relationship Management.
∎ Strong capability of rigorous financial analysis.
∎ In depth knowledge of Credit Risk Management Guideline of Bangladesh Bank, Bank Companies Act, Credit Policies and other lending related regulatory directives published by statutory authorities.
Job Source: Bdjobs.com Online Job Posting.
Application Deadline: 25 Nov 2023
Company Information:
∎ 16 Nov 2023
∎ The City Bank Limited
∎ Address : City Bank Center, 28, Gulshan Avenue, Gulshan 1, Dhaka 1212
Category: Bank/Non-Bank Fin. Institution
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