Credit Analyst

13 hours ago

Dhaka, Dhaka, Bangladesh Bdjobs Full time

A Reputed Private Commercial Bank
is looking for
Credit Analyst (Garments Unit), Credit Risk Management Division

Job Description / Responsibility

Job Grade:
Principal Officer to Senior Principal Officer

Job Location:
Dhaka.

Job Nature:
Permanent.

Key Job Responsibilities:

  • Prepare comprehensive credit proposals (memos) for new and existing garments clients, ensuring accuracy and adherence to bank policies.
  • Structure loan facilities (e.g., Back-to-Back LCs, Packing Credit, EDF, Term Loans. Invoice Discounting) based on the financial needs of the client.
  • Present key risk factors and mitigation strategies within the memo to assist decision-making by senior management.
  • Conduct detailed financial statement analysis (Balance Sheet, income Statement, Cash Flow) to assess the client`s financial health.
  • Assess working capital cycles for garments businesses, ensuring loan structures align with the client's operating cash flows.
  • Identify early warning signals (EWS) such as declining revenue, high leverage, or delayed payments.
  • Recommend the appropriate credit limit. tenure, repayment structure, and security arrangements.
  • Ensure that loan facilities are structured based on export orders. LC proceeds, and supply chain financing needs.
  • Validate lCRRs and financial model.
  • Ensure proposed credit limits align with the client's historical performance, repayment capacity, and sectoral risk exposure.
  • Conduct sectoral analysis on the garments industry, tracking export trends, foreign exchange risks, labor costs, and government incentives.

Educational Requirements

  • Master of Business Administration (MBA)
  • MBA/Master`s in any discipline from reputed University with no third division in academic records.
  • Candidates having professional degree/certification in credit risk management will be given preference.

Experience Requirements

  • At least 5 year(s)
  • The applicants should have experience in the following business area(s): Banks

Experience Requirements:

  • Minimum 05 (Five) years working experience as credit analyst or relevant experience in a commercial Bank / Financial Institution.

Knowledge, Competencies and Skills:

  • Smart, Team player, paired with agile mindset and can-do attitude.
  • Good communication skill in Bangla and English.
  • Very good skills in MS Office.

  • Credit Analyst for CRM

    13 hours ago

    Dhaka, Dhaka, Bangladesh Bdjobs Full time

    A Reputed Private Commercial Bankis looking forCredit Analyst for CRM & SAM (Corporate & SME), Credit Risk Management DivisionJob Description / ResponsibilityJob Grade:Officer to Senior Principal OfficerJob Location:Dhaka.Job Nature:Permanent.Key Job Responsibilities:Process of credit/Investment proposals assigned by the line management.Remain time bound to...

  • Credit Risk Second Line of Defense Analyst 2

    1 week ago

    Dhaka, Dhaka, Bangladesh Citi Full time

    Whether you're at the start of your career or looking to discover your next adventure, your story begins here. AtCiti, you'll have the opportunity to expand your skills and make a difference at one of the world's most global banks. We're fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure...

  • Credit Risk Second Line of Defense Analyst 2

    1 week ago

    Dhaka, Dhaka, Bangladesh Citi Full time

    Whether you're at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you'll have the opportunity to expand your skills and make a difference at one of the world's most global banks. We're fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure...

  • Analyst - Sustainable Finance Unit, Credit Risk Management Division - For A Reputed Private Commercial Bank - Job ID - 1440828

    13 hours ago

    Dhaka, Dhaka, Bangladesh Bdjobs Full time

    A Reputed Private Commercial Bankis looking forAnalyst - Sustainable Finance Unit, Credit Risk Management DivisionJob Description / ResponsibilityJob Grade:Principal Officer to Senior Principal OfficerJob Location:Dhaka.Job Nature:Permanent.Key Job Responsibilities:Assist in drafting and implementing the bank's Sustainable Finance Policy in compliance with...

  • Manager - Garments Unit, Credit Risk Management Division - For A Reputed Private Commercial Bank - Job ID - 1440839

    13 hours ago

    Dhaka, Dhaka, Bangladesh Bdjobs Full time

    A Reputed Private Commercial Bankis looking forManager - Garments Unit, Credit Risk Management DivisionJob Description / ResponsibilityJob Grade:Assistant Vice President to Vice PresidentJob Location:Dhaka.Job Nature:Permanent.Key Job Responsibilities:Review and guide credit analysts in preparing comprehensive credit proposals for RMG clients, ensuring...

  • Officer, IT Department

    13 hours ago

    Dhaka, Dhaka, Bangladesh Credit Rating Agency of Bangladesh Ltd. (CRAB) Full time

    Credit Rating Agency of Bangladesh Ltd (CRAB)is looking forOfficer, IT DepartmentJob Description / ResponsibilityJob ContextA leading Credit Rating Agency engaged in providing Credit Rating, Grading, Information & Advisory Services has vacancy for the post of software developer to join our Technology & Systems Team. Fresh graduates with strong background are...

  • Data Analyst

    2 weeks ago

    Dhaka, Dhaka, Bangladesh PALMPAY LIMITED Full time ৳1,500,000 - ৳3,000,000 per year

    About PalmPayPalmPay is a leading neobank and fintech platform scaling financial inclusion across emerging markets. With over 40 million users, we're building a digital financial ecosystem that empowers individuals and businesses through accessible, easy-to-use, and rewarding financial services.Operating in Nigeria, Ghana, Tanzania, Pakistan, and...

  • Collection Data Analyst

    2 days ago

    Dhaka, Dhaka, Bangladesh PALMPAY LIMITED Full time

    About PalmPayPalmPay is a leading neobank and fintech platform scaling financial inclusion across emerging markets. With over 40 million users, we are building a digital financial ecosystem that empowers individuals and businesses through accessible, easy-to-use, and rewarding financial services.Operating in Nigeria, Ghana, Tanzania, Bangladesh, and...

  • Manager - Sustainable Finance Unit, Credit Risk Management Division - For A Reputed Private Commercial Bank - Job ID - 1440843

    13 hours ago

    Dhaka, Dhaka, Bangladesh Bdjobs Full time

    A Reputed Private Commercial Bankis looking forManager - Sustainable Finance Unit, Credit Risk Management DivisionJob Description / ResponsibilityJob Grade:First Assistant Vice President to Assistant Vice PresidentJob Location:Dhaka.Job Nature:Permanent.Key Job Responsibilities:Develop and implement the bank's sustainable finance policies, ensuring alignment...

  • Associate Manager/Manager- AI Lab

    2 weeks ago

    Dhaka, Dhaka, Bangladesh BRAC Bank PLC Full time $4,000,000 - $8,000,000 per year

    BRAC Bank PLC is a full-service private commercial bank in Bangladesh, aiming to become the most trusted, innovative and inclusive bank, driven by purpose and powered by people. It plays a pivotal role in shaping the country's financial future, with a clear focus on sustainability. With the highest market capitalization, the highest international...