Unit Head, SME-M Credit Risk, Commercial & SME Credit Risk
Job Description
Title: Unit Head, SME-M Credit Risk, Commercial & SME Credit Risk
Company Name: The City Bank Limited
Vacancy: Not specific
Job Location: Dhaka
Employment Status: Full-time
Educational Requirements:
∎ Minimum 4 years of graduation from any UGC approved reputed university.
Experience Requirements:
∎ At least 12 year(s)
Job Context:
∎ The Primary responsibility of this role is to supervise Risk Managers and ensure effective Credit Risk Management for SME-M Business segment of City Bank. The role is also responsible to monitor effective credit analysis, review of credit memo recommended by risk managers, portfolio quality in accordance with CBL credit policies, procedures, CIMs and all other statutory rules, regulations and policies (both internal and external).
Job Responsibilities:
∎ Managerial Responsibilities: Company Acquisition: Direct supervision of Risk Managers working in SME-M Credit Risk Team, through monitoring day to day activity, guiding on credit proposal review and disposals in line with CBL Credit Policy vis-à-vis internal and external regulations. Implement plans for Controlling attrition. Facilitate engagement, Promoting team building, collaboration, people development. Ensure grooming of new staffs and potential leaders
∎ Functional Responsibilities: Policy & Compliance: Facilitate understanding of business, industry and market dynamics by the team and ensure financing/facility need are properly structured and credit limits are reasonably recommended. Ensure and safeguard company interest before approving and recommending credit proposals to the Management and Board. Ensure periodic review of client’s performance, market/industry & facility parameters/limits and realign the same as per changed dynamics/ requirements • Ensure compliance of all credit proposals of SME-M with the terms & provisions of internal and external authority/regulators.
∎ Portfolio Quality: Facilitate identification of risk issues involved in any of the lending proposals of the Bank under SME-M portfolio. Escalate the issue to Management of the bank and inform the Management on possible risks and possible contingent measures. Brief the Management on credit proposals and risks/benefit for the Bank before approval of the same. Independent decision making through exercising delegated authority. Provide guidance to risk managers for credit memo writing. Occasional visits directly to the SME-M Banking Segment Customers for better assessment of the clients and to fix/help higher management to fix appropriate strategy. Ensure portfolio monitoring to reduce PD, SMA, potential SMA / classification, EA accounts, deteriorating accounts, sales routine compliance etc. Ensure implementation of Non-Performing Loan Management Strategy as set by the Management Committee.
∎ Impact on Revenue: Underwriting business through exercising delegated lending authority to ensure well balanced Risk Reward / Shareholder Value aligned to Risk Appetite. Ensure credit analysis exercising due diligence with special emphasis on risk issues and management with proper loan structuring, business & financial analysis etc. in accordance with CBL credit policies, procedures, and all other statutory rules, regulations & policies, through his / her team members. Manage Non-Performing Loan (NPLs) and impairment of provisions through periodic follow up meetings with business counterparts. Initiate analysis on key industry segments to predict future trends to maximize business opportunities and minimize delinquencies.
∎ Stakeholder Management: Ensure that team understands the key stakeholders for smooth operation of CRM and maintain good relation. Ensure compliance of Service Partner Agreement with business team. Improve team morale and develop Risk Managers’ aligning with organizational values & strategic goals. Monitor and ensure coordination with SME-M Risk Hubs keeping regular contact and providing direction to hub based Risk managers.
∎ Operation/Process: Identify and analyze gaps in process & relationships. Effective monitoring of departmental MIS. Ensure regular update & proper management of credit files. Ensure effective time management in approval processing.
∎ Resource Management: Allocation of departmental budget. Implement departmental budget. Allocate credit relationship accounts among the risk managers.
∎ Development Initiatives: Continuous development initiatives, bringing automation etc. Ensure timely completion of deliverables / development initiatives. Arrange proper training / need based learning sessions for the risk managers.
∎ Statutory Audit: Minimize Audit queries with respect to the sample data for internal and external Auditors regarding credit files.
Additional Requirements:
∎ Minimum 12 years of experience in Bank/FIs including Minimum 6 years of experience in SME/Corporate lending area.
∎ Knowledge about financial markets products and services
∎ Strong analytical skill & Leadership skill
∎ Knowledge of applicable rules/regulations (including central bank’s guidelines/Bank Companies Act 1991) for credit approval and operational practices
∎ Updated about economy, market and industry
Job Source: Bdjobs.com Online Job Posting.
Application Deadline: 18 Jul 2021
Company Information:
∎ 11 Jul 2021
∎ The City Bank Limited
∎ Address : City Bank Center, Avenue 136 (Level 4), Gulshan 2, Dhaka.
∎ Web : www.thecitybank.com
Category: Bank/Non-Bank Fin. Institution
:
Deadline Expired on 18th Jul 2021
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