Credit Analyst, Credit Risk Management Division

#EANF#

Midland Bank PLC

 

Midland Bank PLC

Follow

Summary

  • Vacancy: —
  • Age: 28 to 45 years
  • Location: Dhaka
  • Experience: At least 4 years
  • Published: 30 Jul 2024

 

Requirements

Education

  • Minimum graduate, in relevant background without having 3rd class/division in any examination.

Experience

  • At least 4 years

Additional Requirements

  • Age 28 to 45 years
  • Minimum Four (04) years of work experience in permanent position at Credit Risk Management Division (Corporate/CMSME/Retail Risk) with reputed Banks.
  • Strong interpersonal and communication skills.
  • Proficient in financial analysis & written English.
  • Understanding of credit appraisal, financial statement analysis, ICRRS, borrower selection, project financing evaluation, etc.
  • Well conversant with Bank Companies Act, Partnership Act, Bankruptcy Act, Bangladesh Artha Rin Adalat Ain, Negotiable Instrument Act, Bangladesh Bank guidelines and other financial laws, etc.
  • Adequate computer literacy to work on online software modules & MS Office packages.
  • Job Location Head Office, Dhaka.

Responsibilities & Context

Job Context:

  • Perform high-level analysis of financial information/credit data to assess credit-worthiness and financial status of businesses/individuals applying for loans, hence evaluating risk levels and recommend new credit lines, credit limits and loan extensions.

Prime Responsibilities

  • Processing credit/investment proposals assigned by the supervisor.
  • Ensure credit quality and thereby minimize potential loss to the Bank through a focused and independent analysis of credit risk and in-depth knowledge of markets/industry sectors, simultaneously ensuring timeliness of credit application.
  • Analyzing credit proposal through assessment of different risk factors like financial risk, business/industry risk, management risk, scrutiny risk, relationship risk, market risk and prepare credit memo as per approved format and place the memo to reporting authority for recommendation.
  • Analysis of borrower, industry, conduct of account, purpose of loans, pricing, ICRR, CIB Report, etc.
  • Remain time bound to process credit proposals for recommendation of line manager.
  • Ensuring early alert reporting through identification of deteriorating sign at the initial stage.
  • Visit client’s factory/outlets as and when required.
  • To ensure that the credit proposals comply with the CRM guidelines, and the existing rules and regulations of the Bank and all regulatory authorities and laws of the country.
  • Maintaining MIS and systematic filing process to ensure timely and quick accessibility to the necessary file.
  • Any other work/responsibility as and when assigned by the supervisor/Management of the Bank.

Compensation & Other Benefits

  • Competitive Salary
  • Other admissible benefits as per Service Rules of the Bank
  • Career progression opportunity based on performance
  • Festival Bonuses/ Medical Facilities/ Other benefits

Employment Status

Full Time

Job Location

Dhaka

Source link

Upload your CV/resume or any other relevant file. Max. file size: 512 MB.