Credit Officer

Job Description

Title: Credit Officer

Company Name: A Leading Private Commercial Bank

Vacancy: --

Age: at most 42 years

Location: Anywhere in Bangladesh

Experience:
∎ 5 to 10 years
∎ The applicants should have experience in the following business area(s):Banks

Published: 24 Feb 2025

Education:
∎ Post-graduation degree from reputed university with no third division/class or equivalent CGPA in any academic result.
∎ Post-graduation degree from reputed university with no third division/class or equivalent CGPA in any academic result.

Requirements:

Additional Requirements:
∎ Age at most 42 years
∎ 5-10 years’ practical experience in Credit desk of any Bank with proven track record.
∎ Strong knowledge of Lending Operations & Credit Risk Management is required
∎ Adequate practical knowledge of loan documentation, disbursement and monitoring
∎ Excellent communication, analytical skills with strong interpersonal relationship
∎ Applicant having break of service need not apply.
∎ Computer literacy is a must.
∎ 5-10 years’ practical experience in Credit desk of any Bank with proven track record.
∎ Strong knowledge of Lending Operations & Credit Risk Management is required
∎ Adequate practical knowledge of loan documentation, disbursement and monitoring
∎ Excellent communication, analytical skills with strong interpersonal relationship
∎ Applicant having break of service need not apply.
∎ Computer literacy is a must.

Responsibilities & Context:
∎ Analyzing the prospective client(s) for loans and assist them with loan application procedures. Process credit proposals through scrutinizing all required documents/ information along with analyzing of financial statements, security/collateral of customer, credit worthiness and managing of clients.
∎ Scrutinize and analyze the new potential customer and clients for loans and advances of different sectors like corporate, CMSME, Retail and managing of Bank’s products/services with cross selling. Drafting of loan documents, security documents, collateral documentation that include charge documents, charge creation and mortgage of properties, etc in compliant manner to ensure compliance with internal regulations, applicable laws, and to submit for approval and signing credit agreement disbursement and security documents.
∎ Identify, analyze and manage different types of risk involved in credit proposals and determine the pricing of risk associated with the proposals
∎ Finalizing credit proposals and place credit memo, office note before the respective authority for approval;
∎ To enforce compliance with the credit risk parameters and credit exposure on concentration limits set by the Bank and regulatory authorities
∎ All work related to loan monitoring and compliance
∎ Employment Status: Permanent in the rank of FEO/EO/SEO
∎ Job Responsibilities:
∎ Analyzing the prospective client(s) for loans and assist them with loan application procedures. Process credit proposals through scrutinizing all required documents/ information along with analyzing of financial statements, security/collateral of customer, credit worthiness and managing of clients.
∎ Scrutinize and analyze the new potential customer and clients for loans and advances of different sectors like corporate, CMSME, Retail and managing of Bank’s products/services with cross selling. Drafting of loan documents, security documents, collateral documentation that include charge documents, charge creation and mortgage of properties, etc in compliant manner to ensure compliance with internal regulations, applicable laws, and to submit for approval and signing credit agreement disbursement and security documents.
∎ Identify, analyze and manage different types of risk involved in credit proposals and determine the pricing of risk associated with the proposals
∎ Finalizing credit proposals and place credit memo, office note before the respective authority for approval;
∎ To enforce compliance with the credit risk parameters and credit exposure on concentration limits set by the Bank and regulatory authorities
∎ All work related to loan monitoring and compliance

Compensation & Other Benefits:
∎ Attractive compensation package
∎ Excellent working environment
∎ Smooth Career Progression
∎ Attractive compensation package
∎ Excellent working environment
∎ Smooth Career Progression

Employment Status: Full Time

Job Location: Anywhere in Bangladesh

Read Before Apply:

• If you meet the eligibility requirements, please send your details CV to this email address with mentioning 'Job Title' in the subject line.

• Only short-listed candidates will be invited for interview. For highly deserving candidates, conditions and requirements mentioned above may be relaxed. We do not entertain canvassing in any form and the Bank reserves the right to accept or reject any application without assigning any reason