Credit Analyst – Retail Finance Centre (SO–SPO) | Credit Card & Car Loan

Job Description

Title: Credit Analyst – Retail Finance Centre (SO–SPO) | Credit Card & Car Loan

Company Name: Trust Bank Ltd.

Vacancy: --

Age: Na

Job Location: Anywhere in Bangladesh

Salary: --

Experience:

• At least 4 years
• The applicants should have experience in the following business area(s): Banks

• Master of Business Administration (MBA)

• At least 4 years
• The applicants should have experience in the following business area(s): Banks

• Strong command over MS Excel, Word, PowerPoint, financial modelling, and data analysis.

• Excellent English writing skills for credit proposals, reports, and assessments.

• Ability to interpret financial statements and income documents accurately.Strong analytical mindset with problem-solving capability.

• Proven ability to maintain TAT and manage workload independently.

• High level of integrity, accuracy, and professional discipline.

1. Credit Assessment & Appraisal

• Assess and analyze Car/Auto Loan and Credit Card proposals in line with Bank’s Credit Policy, PPG, and Bangladesh Bank guidelines.

• Evaluate applicant financials, repayment capacity, business potential, and overall creditworthiness.

• Review credit history, income documents, bank statements, quotations, price valuation, and other underwriting documents.

2. Risk Evaluation & Decision Support

• Conduct comprehensive risk assessments including economic, sectoral, and political risk factors.

• Review and recommend credit limits, approvals, declines, and risk-mitigating structures.

• Identify potential red flags, fraud indicators, and inconsistencies in loan/card documentation.

3. Documentation & Compliance

• Verify documentation for both Car Loan and Credit Card applications.

• Ensure strict adherence to Credit Policy, PPG, Bangladesh Bank circulars, AML & KYC standards.

• Maintain clear documentation of decisions with proper justification and risk analysis.

4. Monitoring & Portfolio Management

• Perform pre-sanction due diligence and post-sanction monitoring of borrower performance.

• Track existing credit card accounts for limit enhancement and risk mitigation.

• Support portfolio MIS through reports on approvals, rejections, exceptions, and TAT performance.

5. Coordination & Reporting

• Prepare detailed credit assessment reports, office notes, and analysis sheets.

• Collaborate with branches, card division, sales teams, and MIS units for seamless credit processing.

• Participate in periodic reviews to refine credit policies, scorecards, and risk thresholds.