Credit Analyst – Retail Underwriting, Cards Credit –

Credit Analyst – Retail Underwriting, Cards Credit

BRAC Bank Limited

Job Description


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


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

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