Investment Analyst: Investment Risk Management- CMSME Division(Officer-SEO)

Job Description

Title: Investment Analyst: Investment Risk Management- CMSME Division(Officer-SEO)

Company Name: National Credit and Commerce Bank PLC

Vacancy: --

Age: At least 25 years

Job Location: Dhaka

Salary: Negotiable

Experience:

• At least 3 years

• MBA/MBM/Master’s degree or four year Bachelor’s degree (preferably Business) from UGC approved universities having no 3rd class in academic records.      

• Candidate having minimum 16 years of schooling will be eligible.

• Any professional degree in Islamic Banking or Islamic Banking Diploma will be added advantage.  

• At least 3 years

• Age At least 25 years

• Minimum 03 years of work experience in investment risk management division of any reputed commercial banks or financial institution.      

• Preference will be given to candidates having MTO/PO background in commercial banks/ financial institution.

• Review CMSME investment proposals for completeness, accuracy and policy compliance.

• Verify customer eligibility, enterprise classification, KYC, CIB, business visit reports and supporting documents.

• Analyze financial statements, cash flows, repayment capacity and business viability.

• Assess industry, market, management and operational risks; assign/validate internal risk grading (ICRRS).

• Evaluate collateral adequacy, security valuation and recommend appropriate investment structures, pricing and covenants.

• Ensure compliance with Bangladesh Bank regulations, internal investment policies, delegated authority, Risk Appetite Framework and Shariah guidelines.

• Prepare investment/credit appraisal memoranda with risk assessment and mitigation recommendations for approval authorities, HOCC, Board or Executive Committee.

• Coordinate with Branches, Relationship Managers, Legal, CAD, Recovery and other stakeholders to facilitate proposal processing and documentation.

• Conduct field visits to business premises, factories, warehouses and mortgaged properties as required for due diligence.

• Monitor portfolio quality, repayments, limit utilization, covenant compliance, renewals and early warning indicators; recommend corrective actions for stressed accounts.

• Support regulatory reporting, portfolio MIS, audit observations and compliance requirements.

• Maintain proposal turnaround time (TAT) and ensure timely processing of investment applications.

• Provide technical guidance to branches on CMSME investment appraisal and documentation standards.

• Perform any other responsibilities assigned by the supervisor or management.

Attractive compensation package will be offered to deserving candidates based on experience, expertise and competency.