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Credit Analyst : Bengal Commercial Bank

Credit Analyst, SME/Corporate Risk (SO & SEO) at Bengal Commercial Bank Limited

Bengal Commercial Bank Limited has recently published a circular for the position of Credit Analyst, SME/Corporate Risk (SO & SEO)

Vacancy:  Not specific

Employment Status: Full-time

Job Location: Dhaka

Application Deadline: 30 Apr 2022

Job Responsibilities

  • Process credit proposal forwarded by business through scrutinizing all required documents/ information along with analyzing of financial statements, security, personal behavior & credit worthiness of clients and persons behind business
  • To assess risk inherent in the credit proposal through visit (if required) and scrutinize documents and determine the pricing based on risk associated with the proposals
  • Finalizing credit proposals to Credit Committee and place credit memo for Executive Committee/ Board in line with recommendation of Credit Committee
  • Communicating the decisions of the Credit Committee/ Executive Committee /Board to the Credit Administration Division/ Relationship Manager/Officer / Branch for doing the needful at their end
  • Maintain effective relationship with RMs in the branch level to ensure smooth lending operation to business growth
  • To structure the credit proposals and terms and conditions considering customers business conditions and Bank’s interest
  • To enforce compliance with the credit risk parameters and credit exposure on concentration limits set by the Bank and regulatory authorities
  • Providing support, credit information and loan policies and procedures to ensure the quality of the Bank’s lending portfolio
  • Presentation of Office Notes/ Memos to Credit Committee/ Executive Committee /Board for necessary approval with NIL lapses/discrepancy
  • Preparing Credit related reports for top Management and stakeholders
  • Subsequent follow-up of loans for timely return of the same
  • Maintain credit MIS and ensure regulatory reporting

Employment Status

Full-time

Educational Requirements

  • Post-Graduation preferably in business background from any reputed university with no Third Division/Class

Additional Requirements

  • Minimum 4 years of experience in reputed banks/FIs with 3 years’ experience in similar role
  • Candidates started career as Probationary Officer/ Management Trainee Officer and having adequate training including foundation training course in any commercial bank are preferred
  • Strong knowledge on credit, relevant circulars & financial policies by the Central Bank
  • Sufficient knowledge of Branch Operations, Lending Operations & Credit Management is required
  • Excellent communication skills with strong interpersonal relationship
  • Strong analytical skills
  • Professional certificate/training on credit will get added advantage
  • Good skills to operate Microsoft Office Applications/ banking software

Job Location

Dhaka

Salary

  • Bengal Commercial Bank Ltd. offers excellent compensation & benefit packages.
Application Link


Application Deadline: April 30, 2022

Job Source: Bdjobs Circular and Bank Job Circulars

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