Credit Analyst, Retail Credit Risk Management (PO / SPO)

Job Description

Title: Credit Analyst, Retail Credit Risk Management (PO / SPO)

Company Name: A reputed Private Commercial Bank

Vacancy: --

Location: Dhaka

Minimum Salary: Negotiable

Experience:
∎ 5 to 6 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:
∎ 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 supervisor.
∎ Excellent ability to lead and mentor junior officers and contractual staff.
∎ 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.
∎ Experience Requirements:
∎ 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 supervisor.
∎ Excellent ability to lead and mentor junior officers and contractual staff.
∎ 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.

Responsibilities & Context:
∎ 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.
∎ Job Grade: Principal Officer to Senior Principal Officer
∎ 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.

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.