Relationship Officer / Relationship Manager – Branch Credit Operations

Job Description

Title: Relationship Officer / Relationship Manager – Branch Credit Operations

Company Name: United Commercial Bank PLC

Vacancy: --

Age: 25 to 45 years

Job Location: Anywhere in Bangladesh

Salary: Negotiable

Experience:

• At least 3 years
• The applicants should have experience in the following business area(s): Banks

• 4-year Bachelor`s degree in any discipline from any recognized university.

• No third division/class in any academic examination will be accepted.

• In compliance with the applicable circulars/instructions of Bangladesh Bank, successful completion of the required Banking Professional Examination (JAIBB/AIBB, as applicable) is mandatory for consideration of an offer at the next job grade.

• At least 3 years
• The applicants should have experience in the following business area(s): Banks

• Age 25 to 45 years

• Minimum of 3 years of relevant experience in Credit Operations, Relationship Management, or Branch Banking within a bank or non-bank financial institution (NBFI). Candidates with a proven track record in client acquisition, credit appraisal, and portfolio management will receive preference.

• Sound knowledge of credit risk management frameworks, financial statement analysis, regulatory compliance, and Bangladesh Bank guidelines.

• Excellent interpersonal, communication, business development, negotiation, and analytical skills.

United Commercial Bank PLC (UCB), one of the leading first-generation private commercial banks, is dedicated to driving sustainable business growth through customer-centric financial solutions. As part of our ongoing commitment to expanding and strengthening our credit portfolio, the Bank is seeking dynamic, result-oriented, and experienced professionals for the position of Relationship Officer / Relationship Manager – Branch Credit Operations.

Key Job Responsibilities

• Business Growth & Client Acquisition: Drive business growth by acquiring new clients and maintaining strong relationships with existing Corporate, SME, and Retail customers.

• Credit Appraisal & Due Diligence: Conduct credit appraisal, risk assessment, and thorough due diligence for both new and existing loan proposals.

• Proposal Preparation: Prepare comprehensive credit proposals in strict alignment with the Bank’s internal credit policy and Bangladesh Bank guidelines.

• Documentation & Disbursement: Ensure proper loan documentation, timely disbursement, and continuous monitoring of credit portfolios.

• Asset Quality & Portfolio Management: Monitor asset quality, proactively manage overdue/irregular accounts, and maintain overall portfolio health to prevent NPLs.

• Target Achievement: Achieve business targets regarding loan growth, fee income, cross-selling of banking products, and branch profitability.

• Regulatory & Policy Compliance: Ensure full compliance with internal credit risk management policies, operational procedures, and regulatory requirements.