Credit Analyst (Corporate) - Credit Risk Management Division

Job Description

Title: Credit Analyst (Corporate) - Credit Risk Management Division

Company Name: National Credit and Commerce Bank PLC

Vacancy: --

Age: Na

Job Location: Dhaka

Salary: --

Experience:

• At least 4 years
• The applicants should have experience in the following business area(s): Banks

• Master of Business Administration (MBA)
• Master of Business Management (MBM)

• MBA/MBM/Masters (preferably Business) from UGC approved universities having no 3rd class in academic records.

• Candidate having minimum 16 years of schooling will be eligible.

• Candidates having professional degree/certification in credit risk management will be given preference.

• At least 4 years
• The applicants should have experience in the following business area(s): Banks

• Minimum 04 years of work experience as credit analyst in any commercial banks/ financial institution.

• Experience to be in any private commercial banks in financial analysis, risk assessment, mitigation, credit proposal processing & portfolio management.

• Preference will be given to candidates having MTO/PO background in commercial banks/ financial institution.

• Candidate should have comprehensive knowledge of Bangladesh Bank’s refinance and pre-finance schemes, along with proficiency in related reporting requirement.

• Candidates should have enthusiasm, self-motivation and strong interpersonal skill along with high level of integrity to develop career in a highly competitive and challenging environment.

• Excellent verbal, written and communication skills in both Bangla and English.

NCC Bank is a leading Private Commercial Bank (officially recognized by Bangladesh Bank as one of the Top 10 Sustainable Banks in Bangladesh) operating with its strong business network of 130 branches and 09 sub-branches across the country and providing personalized & customer friendly banking services to its clients in a responsive and technology-based environment. Upholding its reputation as a trusted and progressive financial institution, the Bank follows the Best-fit Approach in hiring talents to ensure excellence in service and leadership. In line with this vision, the Bank is inviting applications from highly competent and experienced professionals for immediate appointment in Credit Risk Management Division.

Job Level: Senior Officer to First Assistant Vice President.

Responsibilities:

• Conduct detailed credit analysis, including financial statement review, cash flow assessment, and risk evaluation to determine creditworthiness and facility structuring.

• To access risk inherent in the credit proposal through scrutiny documents and visit and also to determine the pricing based on risks associated with the proposals.

• Guide branches in preparing complete and accurate credit proposals; review submissions to identify and rectify deficiencies.

• To ensure efficient and effective delivery of assigned credit proposals analyzing risk standing in line with set account strategy, risk acceptance criteria and bank`s Risk Appetite Statement.

• Prepare, present, and process credit proposals/appraisals for Credit Committee, Executive Committee, and Board approval within defined turnaround time.

• Ensure timely submission of renewal proposals, Board/EC memos, and reports in line with policy deadlines.

• Recommend appropriate terms, conditions, and security arrangements to safeguard the Bank’s interest and ensure alignment with policy, regulatory, and compliance requirements.

• Verify supporting documents, including legal, mortgage, and audited/projected financials, in coordination with relevant divisions.

• Monitor and review account performance, portfolio quality, and client risk grading on a periodic basis; initiate remedial actions for stressed or overdue accounts.

• Conduct site visits of clients’ business premises, warehouses, and mortgage properties as required.

• Maintain accurate MIS, portfolio database, and systematic documentation for effective monitoring, reporting, and regulatory compliance.

• Support preparation of sanction letters, documentation, and disbursement in coordination with the Credit Administration Division (CAD).

• Liaise with Bangladesh Bank, auditors, and regulatory bodies to ensure compliance with credit-related issues and audit observations.

• Participate in policy review, portfolio analysis, and continuous improvement of credit risk management practices.

• Perform any other duties assigned by the supervisor/Head of CRM/Management to support the Bank’s credit operations and asset quality.

• Attractive compensation package will be offered to the deserving candidates selected for the positions based on the experience and competency.