Credit Analyst

Job Description

Title: Credit Analyst

Company Name: Mutual Trust Bank PLC

Vacancy: --

Age: Na

Job Location: Anywhere in Bangladesh

Salary: --

Experience:

• At least 2 years
• The applicants should have experience in the following business area(s): Banks

• Graduation/Post Graduation in any discipline from a UGC-approved university.

• No third division/class or equivalent CGPA is allowed at any stage of the academic career.

• At least 2 years
• The applicants should have experience in the following business area(s): Banks

• At least 2–3 years of relevant experience in credit analysis or related field.

• Strong organizing, coordinating, decision-making, administrative, and communication skills.

• Ability to multitask and work under pressure.

• Excellent written and verbal communication skills.

• Proactive, dedicated, and hardworking mindset.

• Strong proficiency in Microsoft Office applications.

Responsibilities

• Analyze credit applications with a view to increase the Bank’s profitability while safeguarding against potential losses.

• Scrutinize card applications, verify information through branch network, verification agents, and direct customer interaction; use additional channels if required for decision-making.

• Maintain turnaround time in processing credit applications.

• Compliance & Governance:

  • Ensure compliance with PPG, internal policies/procedures, and external regulatory requirements.

  • Exercise and implement internal and external audit recommendations.

• Credit Decisioning:

  • Recommend credit card applications based on minimizing risk and maximizing profitability.

  • Make decisions regarding recommendation, approval, or rejection based on proper analysis and review.

  • Maintain a balance between risk and business requirements while assessing applications.

• Relationship Management & Service Culture:

  • Maintain effective relationships with branch managers, sales managers, direct sales teams, and other stakeholders.

  • Provide risk mitigation solutions/alternatives aligned with policies and risk appetite.

  • Promote a service-oriented culture to achieve service excellence.

• Collection Support:

  • Assist the collection team through analysis of customer information and maintaining relationship networks.

  • Provide relevant information, suggestions, or support to collection staff when required.

• Other Responsibilities:

  • Perform any other tasks assigned by Management as and when required.