Bengal Commercial Bank PLC

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.