Credit Analyst- CRM Retail Division (AO-Officer)

• Evaluate credit proposals submitted under the Retail Business segment, ensuring compliance with internal credit policies and regulatory guidelines.

• Analyze financial and non-financial information including financial statements, cash flow statements, industry dynamics, and management quality.

• Prepare comprehensive credit appraisal reports (credit memos) highlighting risk identification, structuring, and mitigation strategies.

• Assess key risk factors and recommend appropriate credit structures and covenants.

• Conduct on-site visits to client business premises/construction projects to verify operations, assess business viability, and ensure proper due diligence.

• Maintain updated knowledge of market trends, industry developments, and competitive landscape to support informed credit decisions.

• Ensure timely turnaround (TAT) of credit decisions while maintaining high assessment standards.

• Monitor existing portfolio performance, identify early warning signals, and escalate potential risks to minimize non-performing loans (NPLs).

• Monitor sanction terms, covenants, and conditions periodically and escalate breaches where necessary.

• Conduct periodic review and renewal of existing credit facilities, including root cause analysis of delinquent accounts.

• Coordinate effectively with business units, risk teams and stakeholders to ensure smooth credit processing and portfolio management.

• Support management in additional assignments and contribute to continuous process improvement.

• Perform any other duties assigned by the supervisor/Head of CRM/Management to support the Bank’s credit operations and asset quality.

Minimum 1 year of working experience in relevant desk with knowledge in retail credit assessment and risk mitigation of in any commercial banks/ financial institution.For position above Assistant Officer (AO), candidates must have a minimum 2 years of relevant work experience.     Proficient in MS Office applications.         Enthusiastic, proactive and capable of working in a competitive and challenging environment.         Excellent verbal and written communication skills in both Bangla and English.

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