Senior Officer to Assistant Manager – Credit Analyst (SME Credit)

Job Description

Title: Senior Officer to Assistant Manager – Credit Analyst (SME Credit)

Company Name: LankaBangla Finance PLC.

Vacancy: --

Age: At most 35 years

Job Location: Narayanganj

Salary: Negotiable

Experience:

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

• Bachelor/Honors

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

• Age At most 35 years

• Find out client's fund requirements, key financial indicators, repayment capacity, risk & its mitigation, collateral security aspects, bank transaction performance, portfolio growth & turnover, business & product nature, major customers/competitors, etc.

• Recommendation of CMSME credit proposals for approval/rejection to superior authority based on physical visit observations, analysis of financial information, and consideration of other subjective issues within standard TAT.

• MIS maintaining, communication, and reporting.

• Deposit mobilization, achieving additional set goals periodically by organization other than regular work such as TDR, Money Builders, and others.

• Coordinate with related SME relationship management, branch officials, operations, and other departments in a timely and effective manner to ensure an effective value chain. Besides, communicate credit risk issues with all stakeholders to safeguard the interest of LBFL.

• Conduct physical visits of all SME borrowers and proposed securities to validate financial information, KYC, ensure due diligence, and other subjective issues.

• Scrutiny and evaluation of SME credit proposals received from SME Financial Service Department in light of internal & external lending policies, credit circulars, and instructions (Head Office & Bangladesh Bank).

• Monitoring existing portfolio with the coordination of business and collection team and conducting post-disbursement visits for irregular borrowers and guarantors on a regular basis for reducing PAR and NPL of LBFL.

• Initiating coaching & training for branch SME team development for raising their potentials and ensuring upgradation of relevant knowledge. Review/apply delegation of (as determined by the Board) the files from the credit analysts from assigned region.

• Assist Zonal Credit Manager on specific projects/tasks as assigned related to internal work, current market situation, and giving feedback on market, industry/sector, portfolio, etc. to all relevant concerns.