Credit Analyst (SO to SEO)

Job Description

Title: Credit Analyst (SO to SEO)

Company Name: Bank Asia PLC

Vacancy: 18

Age: Na

Job Location: Dhaka

Salary: Tk. 70000 (Monthly)

Experience:

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

• Masters

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

1.        Policy Formulation & Regulatory Compliance:

• Formulate, review, and modify various Credit Risk Management (CRM) policies in line with regulatory and internal requirements.

• Initiate and draft internal circulars, guidelines, and policy notes as required.

• Maintain up-to-date records of all internal and external circulars/guidelines relevant to credit and risk management.

• To deal with Internal, External including Bangladesh Bank Audit Team and provide compliance report.

• Ensure regulatory and internal process compliance in all CRM activities.

• Ensure strict compliance with observations of internal audit and Bangladesh Bank inspections, and enforce adherence to CRM policy, Bangladesh Bank directives, and all relevant regulatory guidelines.

2.        Credit Risk Assessment & Proposal Processing:

• Review credit proposals received from Business Units/Branches and ensure compliance with internal policies and regulatory instructions.

• Provide Credit Risk Assessment by conducting detailed financial, business and industry analysis as well as by assessing repayment capacity, financial soundness and management capability of borrowers

• Provide credit opinion in line with Bangladesh Bank’s and Bank Asia’s Credit Policy and recommend appropriate risk mitigation plan and loan structuring measures.

• Process credit proposals and prepare relevant Office Notes/Memos in accordance with Bank policy and SLA timelines.

• Prepare and issue Sanction Advice along with Documentation Checklists, ensuring accuracy and timeliness as per SLA.

3.        Monitoring & Portfolio Management:

• Monitor borrowers’ performance to ensure deposition/routing of sales proceeds and timely execution of work/export orders.

• Monitor stressed accounts, including expired, overdue, SMA, and classified portfolios of the Bank.

• Ensure off-site monitoring of such accounts as per defined SLA frequency.

• Raise Red Flags and circulate Early Alerts (EA) Memos in accordance with the Early Alert Policy of the Bank.

• Conduct regular visits to business site, factory/project site and collateral to assess operational and repayment capacity of the borrower as well as status of the collateral.

4.        Management Information System (MIS) & Reporting:

• Maintain the MIS database and prepare various MIS-based performance, monitoring, control, and compliance reports as per requirement of Management/Board of the Bank and Regulatory Authority.

• Provide analytical insights and data support for management decision-making.

5.        Cross-Divisional Support:

• Provide assistance to Business Divisions (C&LL, EFD, ME, CMSE, AGRI, etc.), Branch/SME Center/IBW, Credit Administration Division (CAD), Special Asset Management Division (SAMD) and Risk Management Division (RMD) on various credit-related issues from time to time.

6.        Human Resource & Capacity Development:

• Assist the Human Resources Division (HRD) in the recruitment and employee assessment process, including participation in recruitment and promotion interviews.

• Attend internal and external training programs, seminars, and workshops organized by BAITD, Bangladesh Bank, BIBM, ICC, and other institutions.

• Conduct and participate in internal Knowledge Sharing Programs (KSP) within the Division to promote continuous learning and professional development.

7.        Communication & Awareness:

• Prepare audio-visual presentations, briefing notes, and awareness materials for internal and external stakeholders.

• Works to shape and drive the organizational culture to support business objectives. 

Attractive salary and incentives will be offered along with sound career growth prospects.