Head of SME & Agriculture Division (SVP-EVP)

Job Description

Title: Head of SME & Agriculture Division (SVP-EVP)

Company Name: Community Bank Bangladesh PLC.

Vacancy: 01

Age: Na

Job Location: Dhaka

Salary: Negotiable

Experience:

• At least 15 years
• The applicants should have experience in the following business area(s): Banks

• Masters
• Bachelor/Honors

• At least 15 years
• The applicants should have experience in the following business area(s): Banks

• Completion of JAIBB and AIBB shall be mandatory for consideration of recruitment to the next higher grade.

• No third class/division in any academic record.

• Having professional certification in relevant field will be added advantage.

• High success records in credit management and recovery and notable contribution in SME & Agriculture field.

• Good knowledge of commercial products, client management, compliance requirements, and operations.

• Having in-depth knowledge on banking regulatory framework and guidelines on SME Banking.

SME Banking Strategy & Business Development

• CMSME product innovation, development and modifications by assisting with the CBO as a successor while collaborating with other departments to intergrade them into broader business.

• Drive branches and business units to acquire new SME customers and maintain strong relationships with existing ones.

• Directing in Following-up of proposals sent from branches for approval and sorting out the accounts of declined proposals and discuss with the branches to arrange review whichever is required.

• Provide guidance for preparation & execution of loan agreement with BB, MFIs, NGOs & other development outsourcing agencies.

• Ensure compliance and implement internal policies and procedures, guidelines and regulatory requirements with Bangladesh Bank as to SME Banking and structuring of SME loan portfolio through proper segmentation in line with Central Bank and Circulars.

• Maintaining of liaison with various Women led organization such as BWCCI, SMEF, for the Women by the Women Forum for arranging training, workshop in different areas in the country to build capacity of Women Entrepreneurs.

• Monitor Non-Performing SME loans of the Bank and decide on appropriate strategies and plan for re-structuring/recovery.

• Achievement of Annual SME Loan Disbursement target of Bangladesh Bank

• Work closely with other divisions and branches, supervise in reports preparation, and visit SME clients to assess their business viability.

• Arrangement of training & workshop for educating Branch Officials on SME Products & Services and preparation of training module in this connection.

• Active Participation in fair, workshops, seminars related to the issues of SME and agriculture organized by different agencies/organizations.

• Maintaining strong relationship and facilitate the collection of low-cost Bangladesh Bank (BB) or SME Foundation (SME F) funds.

• Provide guidance to sales Manager/DSTs for setting sales strategy, delegating and monitoring targets and calculating sales target vs achievement and incentives for eligible sales force.

Agriculture Banking Strategy & Business Development

• Implement various agricultural credit policies and programs of different regulatory bodies to ensure adequate flow of funds to the agricultural and rural economy in a proper, timely and hassle-free way for the benefit of the farmers.

• Design, plan and formulate strategies to reach business goals of agricultural financing. Increase agricultural productivity and ensure the food security of the people by financing agricultural loans.

• Promote sustainable and equitable Agri/Rural development through effective credit support to the ultimate beneficiaries through its rural branches as well as Micro Finance Institutions (MFIs) linkages.

• Expand the Bank’s agricultural lending portfolio in line with market potential, risk appetite and regulatory requirements.

• Set business and disbursement targets for agriculture banking products, branches and relevant business units.

• Monitor achievement against approved targets and take corrective measures where necessary.

Credit & Risk Management

• Ensure prudent assessment, approval and monitoring of SME & Agricultural credit proposals within delegated authority and approved credit policies.

• Establish appropriate risk assessment approaches considering the seasonal, geographic and climate-related characteristics of agricultural lending.

• Monitor portfolio quality, overdue loans, classified loans, provisioning, recovery and concentration risks.

• Take proactive measures to minimize delinquency, default and credit losses.

Regulatory Compliance

• Ensure compliance with internal policies and procedures and regulatory requirements per authority.

• Ensure compliance with Bangladesh Bank guidelines, CMSME, Agricultural and Rural credit policies, circulars and applicable regulatory requirements.

• Ensure timely submission of regulatory returns.

• Maintain proper documentation, audit trails and internal controls for the SME & Agriculture Banking portfolio.

Team Leadership & Governance

• Lead, motivate, and continuously develop a credible high performing team, and ensure effective coordination with the branches and divisions to increase client base.

• Ensure effective coordination with Credit, Risk Management, Finance, Treasury, Operations, Digital Banking, Compliance and Branch Banking.

• Maintain effective liaison with all relevant business units of the Bank.