Analyze loan applications and assess clients’ financial capacity and repayment ability.
Review financial statements, bank statements, business performance, and other supporting documents.
Conduct credit risk assessments and prepare credit appraisal reports.
Verify customer information through field visits, reference checks, and due diligence.
Evaluate collateral/security offered against loan facilities.
Recommend approval, modification, or rejection of credit proposals based on risk analysis.
Monitor the performance of existing loan portfolios and identify potential risk indicators.
Ensure compliance with internal credit policies, regulatory requirements, and lending guidelines.
Maintain accurate credit files and documentation.
Support branch and business teams in maintaining loan quality and portfolio health.
Prepare periodic reports on credit analysis, portfolio quality, and risk trends.
Assist in reducing overdue and non-performing loans through proactive monitoring.
Age 26 to 45 years 1.Quality of credit appraisal reports2.Portfolio-at-risk (PAR) and overdue ratio.3.Accuracy and timeliness of credit assessments.4.Compliance with credit policies and procedures.5.Loan portfolio quality and risk management effectiveness.
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