Risk Manager / Credit Analyst

Job Description

Title: Risk Manager / Credit Analyst

Company Name: Bank Asia PLC

Vacancy: --

Age: Na

Job Location: Anywhere in Bangladesh

Salary: --

Experience:

• At least 5 years
• The applicants should have experience in the following business area(s): Banks

• Masters

Post-Graduation from any reputed Public/ Private University or College with minimum Second Class/division in all examinations. No 3rd division/ class is allowed.

• At least 5 years
• The applicants should have experience in the following business area(s): Banks

• Education: Bachelor’s degree in Business Administration, Finance, Accounting, or a related field.

• Experience: Relevant experience in credit analysis or risk management within Banks, NBFIs, or Credit Rating Agencies, preferably with SME exposure.

• Analytical Skills: Strong capabilities in financial statement analysis, cash flow assessment, ratio analysis, and quantitative evaluation.

• Technical Skills: Proficiency in MS Office (particularly Excel and PowerPoint) and familiarity with loan origination and credit management systems.

• Behavioral Skills: High attention to detail, strong problem-solving ability, effective communication skills, and the ability to work under pressure and meet deadlines.

• Client Visits: Conduct client meetings and on-site pre and post visits to gather qualitative insights and validate quantitative and operational information.

• Credit Analysis: Perform comprehensive financial and business analysis of SME clients, including assessment of industry position, market dynamics, competitive landscape, and management capability.

• Risk Assessment: Identify and evaluate financial and non-financial risks, including early warning signals, operational weaknesses, and potential fraud indicators.

• Credit Proposal Development: Prepare detailed and well-structured credit proposals/memos, including risk assessments, mitigants, and clear recommendations (approval, rejection, or modification) for credit committees and approvers.

• Portfolio Monitoring: Monitor the performance of existing credit exposures, track covenant compliance, analyze deviations from projections, and identify emerging credit risks.

• Collaboration: Work closely with Business and Risk teams to support effective loan origination, structuring, and ongoing portfolio management.

• Reporting & Process Improvement: Prepare management reports, present credit findings to stakeholders, and contribute to continuous improvement of credit processes and risk frameworks.

Attractive salary and incentives will be offered along with sound career growth prospects.