Credit Manager

Job Description

Title: Credit Manager

Company Name: Bank Asia PLC

Vacancy: --

Age: Na

Job Location: Anywhere in Bangladesh

Salary: --

Experience:

• At least 5 years
• The applicants should have experience in the following business area(s): Banks

• Masters

Post-Graduation from any reputed Public/ Private University or College with minimum Second Class/division in all examinations. No 3rd division/ class is allowed.

• At least 5 years
• The applicants should have experience in the following business area(s): Banks

• Education: Graduation in Business Administration, Finance, Accounting, or a related field.(Postgraduate qualification or professional certification preferred.)

• Experience: 8–12+ years of experience in credit risk or credit analysis within Banks, and NBFIs including experience with high-value exposures and delegated approval authority.

• Credit Expertise: Strong expertise in financial analysis, cash flow modeling, stress testing, risk rating, and SME credit underwriting.

• Leadership Skills: Proven ability to manage teams while remaining hands-on in critical credit decisions.

• Technical Skills: Advanced proficiency in MS Excel and PowerPoint; working knowledge of loan origination and credit risk systems.

• Behavioral Skills: Strong judgment, attention to detail, communication skills, stakeholder management, and ability to work under pressure.

• Credit Analysis, Approval & Decision-Making

• Independently conduct in-depth credit analysis and risk assessment for high-value, complex, or strategically important credit proposals.

• Exercise credit approval authority within delegated limits in line with internal credit policies and risk appetite.

• Review, challenge, and approve credit proposals prepared by Credit Analysts/Risk Managers, ensuring accuracy, consistency, and policy compliance.

• Prepare and present credit recommendations for proposals exceeding delegated authority to senior management and Credit Committees.

• Conduct client meetings and on-site pre and post visits to gather qualitative insights and validate quantitative and operational information based on delegation matrix.

• Ensure appropriate escalation and documentation of policy exceptions and higher-risk transactions.

• Team Leadership & Capability Development.

• Lead, mentor, and supervise Credit Analysts/Risk Managers to enhance analytical rigor and decision quality.

• Allocate workload, manage turnaround times, and ensure adherence to service-level standards.

• Support performance evaluations, coaching, and skill development initiatives.

• Portfolio Risk Management & Monitoring

• Oversee portfolio performance, covenant compliance, concentration risks, and early warning indicators.

• Review and guide action plans for deteriorating or high-risk accounts.

• Ensure timely identification and escalation of emerging credit risks and potential stress scenarios.

• Stakeholder Engagement & Collaboration

• Partner with Business, Risk, Legal, and Operations teams to structure credit facilities that balance risk and return.

• Present credit proposals, portfolio insights, and risk matters to senior management and governance forums.

• Governance, Reporting & Process Improvement

• Ensure compliance with regulatory requirements, internal credit policies, and delegated authority frameworks.

• Review and approve credit MIS, portfolio reports, and risk dashboards.

• Drive continuous improvements in credit processes, tools, templates, and risk governance practices.

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