Credit Analyst, Credit Risk Management Division
Job Description
Title: Credit Analyst, Credit Risk Management Division
Company Name: Midland Bank PLC
Vacancy: --
Age: 28 to 45 years
Location: Dhaka
Experience:
∎ At least 4 years
Published: 30 Jul 2024
Education:
∎ Minimum graduate, in relevant background without having 3rd class/division in any examination.
∎ Minimum graduate, in relevant background without having 3rd class/division in any examination.
Requirements:
Additional Requirements:
∎ Age 28 to 45 years
∎ Minimum Four (04) years of work experience in permanent position at Credit Risk Management Division (Corporate/CMSME/Retail Risk) with reputed Banks.
∎ Strong interpersonal and communication skills.
∎ Proficient in financial analysis & written English.
∎ Understanding of credit appraisal, financial statement analysis, ICRRS, borrower selection, project financing evaluation, etc.
∎ Well conversant with Bank Companies Act, Partnership Act, Bankruptcy Act, Bangladesh Artha Rin Adalat Ain, Negotiable Instrument Act, Bangladesh Bank guidelines and other financial laws, etc.
∎ Adequate computer literacy to work on online software modules & MS Office packages.
∎ Job Location Head Office, Dhaka.
∎ Minimum Four (04) years of work experience in permanent position at Credit Risk Management Division (Corporate/CMSME/Retail Risk) with reputed Banks.
∎ Strong interpersonal and communication skills.
∎ Proficient in financial analysis & written English.
∎ Understanding of credit appraisal, financial statement analysis, ICRRS, borrower selection, project financing evaluation, etc.
∎ Well conversant with Bank Companies Act, Partnership Act, Bankruptcy Act, Bangladesh Artha Rin Adalat Ain, Negotiable Instrument Act, Bangladesh Bank guidelines and other financial laws, etc.
∎ Adequate computer literacy to work on online software modules & MS Office packages.
∎ Job Location Head Office, Dhaka.
Responsibilities & Context:
∎ Perform high-level analysis of financial information/credit data to assess credit-worthiness and financial status of businesses/individuals applying for loans, hence evaluating risk levels and recommend new credit lines, credit limits and loan extensions.
∎ Processing credit/investment proposals assigned by the supervisor.
∎ Ensure credit quality and thereby minimize potential loss to the Bank through a focused and independent analysis of credit risk and in-depth knowledge of markets/industry sectors, simultaneously ensuring timeliness of credit application.
∎ Analyzing credit proposal through assessment of different risk factors like financial risk, business/industry risk, management risk, scrutiny risk, relationship risk, market risk and prepare credit memo as per approved format and place the memo to reporting authority for recommendation.
∎ Analysis of borrower, industry, conduct of account, purpose of loans, pricing, ICRR, CIB Report, etc.
∎ Remain time bound to process credit proposals for recommendation of line manager.
∎ Ensuring early alert reporting through identification of deteriorating sign at the initial stage.
∎ Visit client's factory/outlets as and when required.
∎ To ensure that the credit proposals comply with the CRM guidelines, and the existing rules and regulations of the Bank and all regulatory authorities and laws of the country.
∎ Maintaining MIS and systematic filing process to ensure timely and quick accessibility to the necessary file.
∎ Any other work/responsibility as and when assigned by the supervisor/Management of the Bank.
∎ Job Context:
∎ Perform high-level analysis of financial information/credit data to assess credit-worthiness and financial status of businesses/individuals applying for loans, hence evaluating risk levels and recommend new credit lines, credit limits and loan extensions.
∎ Prime Responsibilities
∎ Processing credit/investment proposals assigned by the supervisor.
∎ Ensure credit quality and thereby minimize potential loss to the Bank through a focused and independent analysis of credit risk and in-depth knowledge of markets/industry sectors, simultaneously ensuring timeliness of credit application.
∎ Analyzing credit proposal through assessment of different risk factors like financial risk, business/industry risk, management risk, scrutiny risk, relationship risk, market risk and prepare credit memo as per approved format and place the memo to reporting authority for recommendation.
∎ Analysis of borrower, industry, conduct of account, purpose of loans, pricing, ICRR, CIB Report, etc.
∎ Remain time bound to process credit proposals for recommendation of line manager.
∎ Ensuring early alert reporting through identification of deteriorating sign at the initial stage.
∎ Visit client's factory/outlets as and when required.
∎ To ensure that the credit proposals comply with the CRM guidelines, and the existing rules and regulations of the Bank and all regulatory authorities and laws of the country.
∎ Maintaining MIS and systematic filing process to ensure timely and quick accessibility to the necessary file.
∎ Any other work/responsibility as and when assigned by the supervisor/Management of the Bank.
Compensation & Other Benefits:
∎ Competitive Salary
∎ Other admissible benefits as per Service Rules of the Bank
∎ Career progression opportunity based on performance
∎ Festival Bonuses/ Medical Facilities/ Other benefits
∎ Competitive Salary
∎ Other admissible benefits as per Service Rules of the Bank
∎ Career progression opportunity based on performance
∎ Festival Bonuses/ Medical Facilities/ Other benefits
Employment Status: Full Time
Job Location: Dhaka
Read Before Apply:
Candidates will be treated strictly on merit, experience and performance record. Only short-listed candidates will be communicated and any sort of persuasion will result in disqualification. MDB reserves the right to accept or reject any application without assigning any reason whatsoever.
Company Information:
∎ Midland Bank PLC
Application Deadline: 29 Aug 2024
Category: Bank/Non-Bank Fin. Institution
Deadline Expired on 29th Aug 2024
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