Credit Analyst, Principal Officer to FAVP

1 week ago

Dhaka, Dhaka, Bangladesh Bdjobs Full time

A reputed Private Commercial Bank
is looking for
Credit Analyst, Principal Officer to FAVP - Retail Credit Risk Management

Job Description / Responsibility

Job Grade: Principal Officer to First Assistant Vice President

Key Job Responsibilities:

  • Team Leadership & Oversight: Lead and supervise credit analysts and CIB support executives; review their appraisals to ensure quality, accuracy, and compliance.
  • High-Value Credit Processing: Independently appraise complex or high-volume Home Loans and Agriculture Loans, ensuring due diligence in line with product guidelines and risk frameworks.
  • Credit Recommendation: Review and recommend thoroughly appraised files to the Delegated Lending Authority (DLA) holder for final approval.
  • Policy Development & Support: Assist the Head of Retail CRM in drafting and updating credit policies, product programs, checklists, SOPs, and regulatory reporting frameworks.
  • Risk Assessment & Due Diligence: Oversee comprehensive risk evaluation including financials, business sustainability, customer credibility, CIB reports, collateral adequacy, and external environment.
  • Interdepartmental Coordination: Act as a liaison with Credit Admin, Sales, Operations, Legal, Compliance, and Branches to resolve processing issues and enhance turnaround time.
  • Audit & Compliance Monitoring: Ensure all documents and files are audit-ready and in line with Bangladesh Bank guidelines and internal policies.
  • Training & Development: Mentor and guide junior credit officers and CSEs to enhance the credit team's analytical and operational capabilities.
  • Performance Review & MIS Oversight: Monitor performance metrics of analysts and CSEs; ensure data integrity in the credit MIS and documentation systems.
  • Strategic Input: Contribute insights to credit portfolio strategies, retail product enhancements, and risk mitigation recommendations to senior management.

Educational Requirements

  • Master of Business Administration (MBA) in Finance
  • Master's in Business Administration, Finance, Economics, Accounting, or any related field from reputed university with no third division in academic records.

Experience Requirements

  • 5 to 6 year(s)
  • The applicants should have experience in the following business area(s): Banks

Additional Requirements

  • Minimum 5–6 years of hands-on experience in retail credit appraisal or credit risk functions in a commercial bank, including significant exposure to Home and Agri loans.
  • Experience in team leadership, credit policy drafting, and handling high-volume portfolios will be highly preferred.
  • Knowledge, Competencies and Skills:
  • In-depth understanding of retail credit risk, product structuring, and regulatory compliance.
  • Proven expertise in appraising complex loan files and recommending decisions to DLA.
  • Excellent ability to lead and mentor junior officers and contractual staff (e.g., CSEs).
  • Proficiency in MS Office (Word, Excel, PowerPoint) and credit risk MIS tools.
  • Strong communication, decision-making, and report-writing skills.
  • High level of professionalism, confidentiality, and analytical integrity

Job Location

Dhaka

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