Credit Analyst for CRM & SAM (Corporate & SME), Credit Risk Management Division

Job Description

Title: Credit Analyst for CRM & SAM (Corporate & SME), Credit Risk Management Division

Company Name: A Reputed Private Commercial Bank

Vacancy: --

Age: Na

Job Location: Dhaka

Salary: Negotiable

Experience:

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

• Master of Business Administration (MBA)

• MBA/Master's in any discipline from reputed University with no third division in academic records.

• 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

Experience Requirements:

• Minimum 04 (Four) years working experience as credit analyst or relevant experience in a commercial Bank / Financial Institution.

Knowledge, Competencies and Skills:

• Smart, Team player, paired with agile mindset and can-do attitude.

• Good communication skill in Bangla and English.

• Very good skills in MS Office.

Job Grade: Officer to Senior Principal Officer

Job Location: Dhaka.

Job Nature: Permanent.

Key Job Responsibilities:

• Process of credit/Investment proposals assigned by the line management.

• Remain time bound to process credit proposals for recommendation of the line management.

• Communicate with Branch Credit Officers thorough mail and any verbal communication where there are very urgent requirements.

• Analysis of the credit proposal (Renewal/Reschedule/Restructure/Settlement/Write-off) through assessment of different risks factors like financial risk, business/industry risk, management risk, security risk, relationship risk, marketing risk etc. and prepare credit memo as per designed format and place the memo to reporting authority for their recommendation.

• Prepare presentation of proposal for credit committee meeting/Board.

• Forward the Credit Memo to the competent/appropriate authority for approval after necessary amendment as per credit committee recommendation (if necessary).

• Prepare and communicate declined/deferred decision to the concerned Branch if the proposed credit facilities are not justified after thorough assessment of the proposal.

• Maintain MIS and systematic filing process to ensure timely and quick accessibility to the necessary file.

• Ensure Early Alert reporting through identification of deteriorating sign at the initial stage.

• Regular follow up of stressed portfolio.

• Visit client's factory/outlets as and when required.

• All other related jobs as and when required for smooth operation of the Department assigned by the line management

• Remuneration: Negotiable.