Credit Analyst- Credit Risk Management (CRM) Division

Job Description

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

Company Name: SFIL Finance PLC

Vacancy: --

Age: Na

Job Location: Anywhere in Bangladesh

Salary: --

Experience:

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

• Bachelor/Honors

• Minimum graduate from a reputed university with no third-class division;

• Candidates having certification or training in Credit Risk Management will be given preference.

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

• Sound knowledge of Credit analysis and policies and Risk Management principles

• Good understanding of Basel II, BB`s provision and structure/rescheduling policy, and evolving regulatory guidelines in this space

• Capable of professional discussions with internal and external stakeholders

• Computer literacy having good command in Microsoft Office Suite.

Experience:

• 5-6 years of experience in CRM department and at least last 3 years in Corporate & SME credit in a reputed bank or finance company.

Position Summary:

Determine customers` creditworthiness by analyzing financial data to assess the likelihood of a borrower through visit of client`s business premises/home/office premise depending on loan type, conducting all other necessary due diligence required for extending credit, preparation of credit appraisal report and obtaining Management approval.

Job Description / Responsibility:

• Pre-screening loan applications in line with credit guidelines, Finance Company Act 2023, ICRRS, EDD(ESRM)

• Verifying client documents from internal and external sources and conducting field visits to assess financial stability and associated risks

• Evaluating clients` requirements against their repayment capacity

• Preparing loan appraisals based on established lending policies and coordinating with Relationship Managers to address queries related to credit proposals

• Additionally, preparing summaries and documentation for approval processes

• Ensuring compliance with internal policies and regulatory requirements

• Monitoring high-risk portfolio clients

• Sharing industry insights with relevant teams and carrying out any other tasks assigned by management

• Competitive salary and position will be offered based on the experience in the relevant field.