Credit Analyst, Principal Officer to FAVP – Retail Credit Risk Management

Job Description

Title: Credit Analyst, Principal Officer to FAVP – Retail Credit Risk Management

Company Name: A reputed Private Commercial Bank

Vacancy: --

Age: Na

Job Location: Dhaka

Salary: Negotiable

Experience:

• 5 to 6 years
• The applicants should have experience in the following business area(s): Banks

• Master of Business Administration (MBA) in Finance

• Master’s in Business Administration, Finance, Economics, Accounting, or any related field from reputed university with no third division in academic records.

• 5 to 6 years
• The applicants should have experience in the following business area(s): Banks

• Minimum 5–6 years of hands-on experience in retail credit appraisal or credit risk functions in a commercial bank, including significant exposure to Home and Agri loans.

• Experience in team leadership, credit policy drafting, and handling high-volume portfolios will be highly preferred.

• Knowledge, Competencies and Skills:

• In-depth understanding of retail credit risk, product structuring, and regulatory compliance.

• Proven expertise in appraising complex loan files and recommending decisions to DLA.

• Excellent ability to lead and mentor junior officers and contractual staff (e.g., CSEs).

• Proficiency in MS Office (Word, Excel, PowerPoint) and credit risk MIS tools.

• Strong communication, decision-making, and report-writing skills.

• High level of professionalism, confidentiality, and analytical integrity

Job Grade: Principal Officer to First Assistant Vice President

Key Job Responsibilities:

 Team Leadership & Oversight: Lead and supervise credit analysts and CIB support executives; review their appraisals to ensure quality, accuracy, and compliance.

 High-Value Credit Processing: Independently appraise complex or high-volume Home Loans and Agriculture Loans, ensuring due diligence in line with product guidelines and risk frameworks.

 Credit Recommendation: Review and recommend thoroughly appraised files to the Delegated Lending Authority (DLA) holder for final approval.

 Policy Development & Support: Assist the Head of Retail CRM in drafting and updating credit policies, product programs, checklists, SOPs, and regulatory reporting frameworks.

 Risk Assessment & Due Diligence: Oversee comprehensive risk evaluation including financials, business sustainability, customer credibility, CIB reports, collateral adequacy, and external environment.

 Interdepartmental Coordination: Act as a liaison with Credit Admin, Sales, Operations, Legal, Compliance, and Branches to resolve processing issues and enhance turnaround time.

 Audit & Compliance Monitoring: Ensure all documents and files are audit-ready and in line with Bangladesh Bank guidelines and internal policies.

 Training & Development: Mentor and guide junior credit officers and CSEs to enhance the credit team's analytical and operational capabilities.

 Performance Review & MIS Oversight: Monitor performance metrics of analysts and CSEs; ensure data integrity in the credit MIS and documentation systems.

 Strategic Input: Contribute insights to credit portfolio strategies, retail product enhancements, and risk mitigation recommendations to senior management.