Credit Analyst (Garments Unit), Credit Risk Management Division

Job Description

Title: Credit Analyst (Garments Unit), Credit Risk Management Division

Company Name: A Reputed Private Commercial Bank

Vacancy: --

Age: Na

Job Location: Dhaka

Salary: Negotiable

Experience:

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

Experience Requirements:

• Minimum 05 (Five) 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: Principal Officer to Senior Principal Officer

Job Location: Dhaka.

Job Nature: Permanent.

Key Job Responsibilities:

• Prepare comprehensive credit proposals (memos) for new and existing garments clients, ensuring accuracy and adherence to bank policies.

• Structure loan facilities (e.g., Back-to-Back LCs, Packing Credit, EDF, Term Loans. Invoice Discounting) based on the financial needs of the client.

• Present key risk factors and mitigation strategies within the memo to assist decision-making by senior management.

• Conduct detailed financial statement analysis (Balance Sheet, income Statement, Cash Flow) to assess the client's financial health.

• Assess working capital cycles for garments businesses, ensuring loan structures align with the client’s operating cash flows.

• Identify early warning signals (EWS) such as declining revenue, high leverage, or delayed payments.

• Recommend the appropriate credit limit. tenure, repayment structure, and security arrangements.

• Ensure that loan facilities are structured based on export orders. LC proceeds, and supply chain financing needs.

• Validate lCRRs and financial model.

• Ensure proposed credit limits align with the client’s historical performance, repayment capacity, and sectoral risk exposure.

• Conduct sectoral analysis on the garments industry, tracking export trends, foreign exchange risks, labor costs, and government incentives.

• Remuneration: Negotiable.