Credit Analyst, Retail Credit Risk Management

Job Description

Title: Credit Analyst, Retail Credit Risk Management

Company Name: A reputed Private Commercial Bank

Vacancy: --

Age: Na

Job Location: Dhaka

Salary: Negotiable

Experience:

• 2 to 3 years
• The applicants should have experience in the following business area(s): Banks

• Master of Business Administration (MBA) in Accounting

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

• 2 to 3 years
• The applicants should have experience in the following business area(s): Banks

• 2/3 years of relevant experience in retail credit, credit appraisal, or risk analysis in a bank or financial institution preferred

• Knowledge, Competencies and Skills:

• Strong understanding of credit risk principles, loan structuring, and regulatory guidelines.

• Proficiency in financial analysis and credit memo preparation.

• Knowledge of Bangladesh Bank CIB reporting system and classifications.

• Excellent communication and coordination skills.

• High level of integrity and discretion in handling sensitive customer data.

• Proficiency in MS Office (especially Excel and Word).

Job Grade: Junior Officer to Officer.

Key Job Responsibilities:

 Retail Loan Appraisal: Review and process retail loan proposals, including Home Loans, Government Employee Loans, Agri Loans, Personal Loans, and Credit Cards in line with product program guidelines and credit policy.

 Credit Risk Analysis: Assess financial, business, management, security, relationship, and market risks for each loan application; ensure appropriate mitigation strategies are in place.

 Credit Memo & Reporting: Prepare detailed credit appraisal notes and credit memos for recommendation to Credit Approval Authority.

 Documentation & Due Diligence: Ensure all supporting documents are verified and meet internal credit and regulatory requirements before submission for approval.

 CIB Report Handling: Retrieve and interpret CIB reports from Bangladesh Bank, highlighting any adverse classifications (SS, Doubtful, Bad/Loss) and verifying customer status accordingly.

 Interdepartmental Coordination: Communicate and coordinate with branches and relevant departments for additional information, clarifications, or document collection as needed.

 Credit Decision Support: Issue decline letters with rationale where proposals fail to meet credit standards, in consultation with the Credit Committee or approving authority.

 Record-Keeping & MIS: Maintain structured filing of all loan proposals, office notes, and decision memos. Keep accurate MIS for all proposals processed.

 Regulatory Compliance: Stay updated with Bangladesh Bank circulars and implement necessary changes in internal processing guidelines as required.

 Audit Readiness: Provide full support during internal or regulatory audits, ensuring all records are in compliance and accessible.

 Team Collaboration: Collaborate with Credit Support Executives (CSEs), Credit Admin, and Sales teams to streamline and expedite loan processing and approval and Perform any additional duties assigned by Retail CRM Management.