Credit Analyst (Credit-SME)

Job Description

Title: Credit Analyst (Credit-SME)

Company Name: IDLC Finance PLC

Vacancy: --

Age: Na

Job Location: Anywhere in Bangladesh

Salary: Negotiable

Experience: --

Published: 2026-09-20

Application Deadline: 2026-10-05

Education:

Requirements: --

Skills Required:

Additional Requirements:

Responsibilities & Context:

Credit Analyst (Credit-SME)
IDLC Finance PLC

Job Context

The incumbent will assume the role of Credit Analyst in the Credit-SME Department under Credit Risk Management Division, and will be responsible to underwrite SME loans and ensure quality of the SME loan portfolio.

Job Description

• Inspecting the loan applicants' businesses physically and interviewing the loan applicants.

• Validating the financial data declared by the applicants and preparing income statements/balance sheets from raw data.

• Ensuring authenticity of the loan application documents.

• Making financing decisions based on quantitative and qualitative judgement ensuring proper risk mitigation measures.

• Preparing credit appraisal memo in compliance with the credit policy of IDLC Finance and the regulations of Bangladesh Bank.

• Ensuring close coordination among the key stakeholders at branch level (Credit Risk Management, SME Business Unit, Credit Administration, and Special Asset Management).

• Analyzing the branch portfolio periodically and performing case study on the default clients.

Job Requirements

Education:

Minimum Bachelor's degree in any business discipline (preferably in Finance, Banking or Accounting) with minimum CGPA of 3.00.

Experience:

Experienced candidates from reputed banks and NBFIs with experience in credit risk management will be preferred. However, freshers are highly encouraged to apply.

Job Nature: Full-time

Designation: Up to Assistant Manager (Depending on Performance in Assessment and Experience Level)

Salary: As per IDLC Policy

Job Location: Anywhere in Bangladesh. Assigned job location at the time of appointment will be reviewed every 2 years.

Application Deadline: October 5, 2026