Credit Analyst, Retail Credit Risk Management (Junior Officer to Officer)

Job Description

Title: Credit Analyst, Retail Credit Risk Management (Junior Officer to Officer)

Company Name: A reputed Private Commercial Bank

Vacancy: --

Location: Dhaka

Minimum Salary: Negotiable

Experience:
∎ 1 to 3 years

Published: 25 Jun 2025

Education:
∎ Master of Business Administration (MBA)
∎ MBA/Master's in any discipline from reputed university with no third division in academic records.
∎ MBA/Master's in any discipline from reputed university with no third division in academic records.

Requirements:

Additional Requirements:
∎ Experience Requirements:
∎ 1–3 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).
∎ Ability to work under pressure and meet deadlines.
∎ Experience Requirements:
∎ 1–3 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).
∎ Ability to work under pressure and meet deadlines.

Responsibilities & Context:
∎ 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.
∎ Other Duties: Perform any additional duties assigned by Retail CRM Management to support the smooth functioning of the Credit Risk Unit.
∎ 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.
∎ Other Duties: Perform any additional duties assigned by Retail CRM Management to support the smooth functioning of the Credit Risk Unit.

Skills & Expertise:

Employment Status: Full Time

Job Location: Dhaka

Read Before Apply:

Application Procedure: Interested candidates are requested to apply by July 05, 2025. No hard copy of application will be accepted.