Credit Analyst – Retail Underwriting, Cards Credit

Job Description

Vacancy

Not specific

Job Responsibilities

• Scrutinize, assess and review all types of Credit Card proposals as per the bank’s lending guidelines and regulations;
• Analyze CIB, CVU, De-dupe, and CPV reports and acquire collection feedback (if required);
• Call customers over the phone or visit them in person;
• Assess the client’s requirements and repayment capacity using the key financial indicators;
• Identify, calculate and mitigate possible risk factors;
• Ensure standard Turnaround Time (TAT) of loans processing;
• Pending declare the post-assessment findings/status;
• Final assessment of proposals based on the documents provided;
• Ensure compliance with internal policies and procedures as well as external regulatory requirements throughout the assessment process;
• Review existing PPG and Policies, and recommend changes subject to market variables and regulatory requirements;
• Assist on specific projects/tasks as assigned by management;
• Ensure the highest service quality and satisfy the requirements of relevant stakeholders;
• Comply with the organization’s other internal and external policies.

Employment Status

Full-time

Educational Requirements

• Bachelor’s degree from a UGC-approved university with a satisfactory academic track record;

Experience Requirements

• At least 5 year(s)

Additional Requirements

• Minimum 5 years of experience in a similar field; diverse experience across banks will be preferred.
• Knowledgeable in credit-related issues, with adequate knowledge of all loan products; know-how on compliance and fraud prevention;
• Strong analytical skills for analyzing retail loan proposals as per the bank’s policy;
• Strong knowledge of banking fundamentals, products, and processes;
• Good understanding of local business situations depending on nature, area, and product;
• Excellent relationship management and business communication skills;
• Proactive and sound knowledge of contemporary business issues and economic aspects;
• Proficient in the suite of MS Office products or any other platform.
• Ability to complete assignments in a timely and effective manner;
• Agile in terms of deciding on a complex situation;
• Demonstrate expert-level skills in ownership & delivery result;
• Exhibit the highest order of integrity;
• Expert in demonstrating collaboration;
• Prioritize relationship skills with stakeholders;
• Responsive towards changes;
• Excellent interpersonal and presentation skills.

Job Location

Anywhere in Bangladesh

Job Qualification