Junior Officer/ Officer - Credit Analyst - SME & Retail
Job Description
Title: Junior Officer/ Officer - Credit Analyst - SME & Retail
Company Name: National Finance Ltd.
Vacancy: Not specific
Job Location: Dhaka
Employment Status: Full-time
Educational Requirements:
∎ Bachelor degree in any discipline
∎ Skills Required: Credit Risk Analysis, Financial Analysis
Experience Requirements:
∎ 1 to 3 year(s)
∎ The applicants should have experience in the following area(s):
Credit Risk Analysis, Credit Risk Management, retail Loan, SME Loan
∎ The applicants should have experience in the following business area(s):
Banks, Leasing
Job Responsibilities:
∎ Initial assessment of SME, Mortgage/Auto/Personal/Home Loan proposals as per credit policy & regulatory guidelines.
∎ Identify credit risk of SME, Mortgage/Auto/Personal/Affordable Home Loan proposals, devise mitigation measures and ensure desired level of service delivery.
∎ Deliver meaningful, detailed credit analysis while providing efficient, timely service to RMs.
∎ Ensure that all credit files are complete, identify any documentation deficiencies, and report to RM and credit administration as needed for timely resolution.
∎ Visit new clients to assess the credit worthiness, operational and financial performance of individual businesses as and when required and prepare visit reports.
∎ Conduct risk assessment, related due diligence and recommending appropriate risk mitigation for loan proposal;
∎ Keep timely communication with different channels about shortage of documents in case of both processing & sanction of files.
∎ Maintain documentation of all analysis and monitoring reports;
∎ Complete the loan appraisal with due observation and recommendation for onward submission to the Credit Committee;
∎ Work within a framework of company policies, principles and goals;
∎ Assist in ensuring credit exposures are managed within established internal/regulatory requirements;
∎ Ensure smooth service by reducing credit file processing time.
∎ Perform any other tasks assigned by the Management
Additional Requirements:
∎ Age 26 to 30 years
∎ Analytical ability
∎ Able to determine the default risk
∎ Able to look in to details while maintaining the deadline
∎ Skilled on quantitative analysis
∎ Advance user of statistical & financial software
∎ Ability to prioritize and manage multiple responsibilities
∎ Ability to analyze cash flows, leverage, collateral and customer strength
Salary:
∎ Attractive and Competitive package shall be offered in line with market and competency.
Compensation & Other Benefits:
∎ T/A, Mobile bill, Tour allowance, Medical allowance, Performance bonus, Provident fund, Weekly 2 holidays, Insurance, Gratuity
∎ Salary Review: Yearly
∎ Festival Bonus: 2
Job Source: Bdjobs.com Online Job Posting.
Application Deadline: 19 Nov 2021
Company Information:
∎ 9 Nov 2021
∎ National Finance Ltd.
∎ Address : Confidence Center (Level -8), Kha-09, Progati Sarani, Shahjadpur, Dhaka -1212
∎ Web : www.nfl.com.bd
Category: Bank/Non-Bank Fin. Institution
: If you think, you are the best fit for a Diligent CRM Team, ready to accept a new Challenges - you are highly encouraged to apply with confidence. No email/ hard copy of any application/CV/Resume will be entertained.
