Midland Bank PLC

Summary

Education

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

Experience

Additional Requirements

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.

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.

Full Time

Dhaka