A reputed Private Commercial Bank

More jobs from this company

Summary

Education

Educational Requirements:

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

Additional Requirements

Experience Requirements:

Minimum 02 (Two) years working experience as credit analyst or relevant experience in a commercial Bank / Financial Institution.

Knowledge, Competencies and Skills:

Position: Credit Analyst (Garments Unit & General), Credit Risk Management Division

Job Grade: Junior Officer to Senior Principal Officer

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.

Work at office

Full Time

Dhaka