Corporate & SME CRM, Head Office: (Senior Officer to Senior Executive Officer)

Requirements

• Age: Maximum 40 years.

• Minimum 5 years of experience in a reputed commercial bank, including at least 2 years of experience in a similar role or Credit Risk Management (CRM).

• Graduation/Post-Graduation (preferably in Business or a related discipline) from a recognized public or private university with no Third Class/Division in any academic examination.

• Experience working in a centralized, real-time online banking environment will be preferred.

• Strong knowledge of Lending Operations, Credit Management, Foreign Trade Operations, and Bangladesh Bank CRM Guidelines.

• Sound understanding of the Bank Company Act, Bangladesh Bank regulations, internal credit policies, and AML/KYC compliance requirements.

• Proficiency in Microsoft Office applications and core banking software.

• Strong analytical, risk assessment, communication, and problem-solving skills with the ability to work in a fast-paced banking environment.

• Review and analyze credit proposals received from Business and Relationship Management (RM) units for new, renewal, enhancement, restructuring, and rescheduling facilities.

• Prepare comprehensive Credit Memorandums (Credit Memos) for approval by Management, the Executive Committee (EC), and the Board of Directors, including detailed risk assessments, mitigating factors, and recommendations.

• Conduct in-depth financial analysis of borrowers by evaluating repayment capacity, cash flow, profitability, leverage, liquidity, and debt servicing ability.

• Identify and assess key business, industry, management, operational, and repayment risks, recommending appropriate risk mitigation measures.

• Coordinate with Branches, Corporate Banking, SME Banking, Operations, Legal, Compliance, and Credit Administration teams to facilitate efficient credit processing.

• Conduct independent visits to customer business premises, factories, and collateral locations to evaluate business operations, management capability, market position, inventory, credit utilization, and overall creditworthiness.

• Monitor borrowers' financial performance, covenant compliance, regulatory adherence, and early warning indicators, recommending timely corrective actions to maintain portfolio quality.