Union Capital Limited

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Summary

Education

A Bachelor or Master’s degree from a recognized university, with no Third Class/Division/ Equivalent GPA/CGPA in any academic transcripts.

Experience

Additional Requirements

Possess comprehensive knowledge in Corporate/SME/Retail Business.
Fluency with credit appraisal, financial statement analysis, borrower selection and project evaluation.
Proficiency in regulatory requirements and NBFI rules & regulations.
Strong analytical and documentation abilities.
Proficiency in clear and concise written and verbal communication, both in Bangla and English.
At least 5-6 years of experience in a reputable bank or financial institution.

Job Description / Responsibility:

Conduct examination of Credit applications and Credit memoranda, providing independent risk assessments by analyzing risks and identifying, describing, and estimating Credit risks associated with proposals.
Verify Credit Risk Grading and other credit analysis tools for credit proposals, along with Credit Information Bureau reports.
Analyze borrower profiles, account transactions, and loan purposes.
Ensure adherence to internal credit policies, regulatory circulars/guidelines, Product Program Guidelines, and other external regulatory requirements related to loan approval.
Conduct physical visits to clients’ business premises to assess strengths and weaknesses of their businesses.
Evaluate the quality, completeness, and correctness of data.
Recommend credit proposals for approval or rejection with appropriate terms and conditions such as loan amount, tenure, and interest rate.
Assist in the preparation of various policies, guidelines, and reports as per internal and external requirements.
Handle related regulatory reporting tasks.
Undertake any other tasks assigned by the Management.

Full Time

Dhaka