SME Credit Analyst - Credit Risk Management

Job Description

Title: SME Credit Analyst - Credit Risk Management

Company Name: Mutual Trust Bank PLC

Vacancy: --

Age: At least 23 years

Job Location: Dhaka

Salary: --

Experience:

• 2 to 6 years
• The applicants should have experience in the following business area(s): Banks

• Bachelor/Honors

• Bachelor’s/Master’s degree in a relevant discipline from a UGC-approved university.

• No third division/class or equivalent CGPA is allowed at any stage of the academic career.

• Preferably completed Banking Diploma courses (JAIBB & AIBB)

• 2 to 6 years
• The applicants should have experience in the following business area(s): Banks

• Age At least 23 years

• Minimum 2–5 years of experience in SME Credit / SME CRM.

• Strong analytical and financial assessment skills.

• Good understanding of SME loan products and credit risk policies.

• Ability to analyze financial statements (Balance Sheet, Income Statement, Cash Flow).

• Mandatory proficiency in Microsoft Excel.

• Good communication and interpersonal skills.

• Ability to work under pressure and meet deadlines.

• Knowledge of relevant circulars issued by Bangladesh Bank.

• Sound decision-making capability in SME financing.

Job Grade - Upto JAVP

Mutual Trust Bank PLC (MTB) is seeking experienced banking professionals for the position of SME Credit Analyst under Credit Risk Management.

The role will be responsible for assessing SME credit proposals, conducting financial and business analysis, monitoring portfolio quality, and providing independent credit recommendations to support sound SME financing decisions.

Key Responsibilities

• Conduct initial assessment and detailed analysis of SME credit proposals.
• Conduct client visits to verify business operations, financial position, and overall creditworthiness.
• Prepare, review, and analyze financial statements, including Balance Sheet, Income Statement, and Cash Flow Statement.
• Assess repayment capacity, cash flow, business performance, and key credit risks.
• Provide well-founded recommendations for credit sanction approval in line with MTB's credit policies and regulatory requirements.
• Conduct regular portfolio reviews and monitor asset quality, repayment behavior, and emerging risks.
• Identify potential credit risks and recommend appropriate risk-mitigation measures.
• Work closely with Business/Branch Relationship Managers to facilitate quality SME financing while maintaining prudent credit standards.
• Support the development of Branch Relationship Managers through knowledge sharing, coaching, and training on credit assessment and SME financing.
• Ensure compliance with applicable Bangladesh Bank circulars, MTB credit policies, and relevant regulatory guidelines.
• Maintain strong documentation and ensure accuracy and completeness of credit assessments.