Senior Risk Manager, Credit Risk Management

Job Description

Title: Senior Risk Manager, Credit Risk Management

Company Name: The City Bank Limited

Vacancy: Not specific

Job Location: Dhaka

Employment Status: Full-time

Educational Requirements:
∎ 4 years of Graduation or Master's degree from any reputed (preferably in business) university

Experience Requirements:
∎ At least 6 year(s)

Job Responsibilities:
∎ Credit Appraisal: Evaluate credit proposals (Credit Risk Analysis, Business/Industry/Market Analysis, Historical Financial Analysis, Projected Financial Analysis, Technical Analysis, Systematic Risk Analysis, Environmental Risk Analysis, etc.) from both micro and macro-economic point of view.
∎ Provide senior management with a clear view on key business and risk factors, using Credit Risk techniques and expert judgement with proper mitigation.
∎ Assessment of the legitimacy of the borrowing relationship under the purview of the City Bank’s credit policy and other regulatory directives
∎ Risk Mitigation: Structure the credit facilities and limits of a borrower(s) based on client’s requirement and assessment of risk associated with lending.
∎ Design the security, collateral, covenants, terms and conditions of the lending in order to protect the Bank from undesired outcomes.
∎ Negotiate at different stages with different stakeholders for feasible and best possible security packages against credit facility.
∎ Underwriting and Impact in Revenue Generation Preparation of Credit Memorandum with recommendation based on the credit appraisal outcome and submit it to the Credit Committee of CBL for further approval by delegated authority. ? Managing assigned portfolio by assisting in healthy credit growth through registering customized solution at different credit scenario to maintain consistently conservative yet commercially driven credit culture.
∎ Portfolio Review & Monitoring: Annual review of credit facilities of the existing corporate clients of the designated portfolio and appraise the client’s recent financial performance, industry outlook, account conduct, credit history with other banks and abidance with approved covenants, terms and conditions.
∎ Functional Requirements: Strong capability of rigorous financial analysis.
∎ In depth knowledge of Credit Risk Management Guideline of Bangladesh Bank, Bank Companies Act, Credit Policies ICRRS policies, Import – Export policy orders, relevant BB / Govt / In-house circulars, SFU guidelines and other lending related regulatory directives published by statutory authorities.

Additional Requirements:
∎ Leadership
∎ Self-administered and self-motivated.
∎ Ability to deliver under stringent deadline maintaining uncompromised standard.
∎ Solution oriented.
∎ Negotiation capacity.

Job Source: Bdjobs.com Online Job Posting.

Application Deadline: 23 Apr 2021

Company Information:
∎ 16 Apr 2021
∎ The City Bank Limited
∎ Address : House CEN (C) 11, Avenue 136 (Level 4), Gulshan 2, Dhaka.
∎ Web : www.thecitybank.com

Category: Bank/Non-Bank Fin. Institution

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