RO/ ARM (Jr. Officer-Executive Officer), Secured Loans, SME Banking –

RO/ ARM (Jr. Officer-Executive Officer), Secured Loans, SME Banking

Bengal Commercial Bank Limited

Job Description


Not specific

Job Context

  • Position: Jr. Officer/ Officer/ Senior Officer/ Executive Officer
  • Position will be offered to the deserving candidates on the basis of experience and competence.
  • Candidates with relevant experience in SME Banking are requested to apply.

Job Responsibilities

  • To achieve set SME Business Asset & Liability targets in terms of sales volume and number of accounts to develop own SME portfolio
  • Maintaining quality asset through effective retention and prioritizing relationships, having appropriate relationship management plan & taking consultative approach to understand client’s objectives, effective identification of financial needs, offering financial solutions
  • To develop sales strategies for product channels and managing existing portfolio health
  • Monitor proper utilization of investment facilities in SME accounts and maintain the quality of risk assets and ensure periodic review of the facilities
  • Prepare proposal through evaluating customer investment applications using a range of criteria including purpose of application, investment viability, customer payment history, customer credit-worthiness etc.
  • Maintain an in-depth knowledge of the customer’s business through regular customer visits and industry research
  • Monitor Non-Performing SME Investment and decide on appropriate strategies and plan to liaise with recovery activities.
  • Ensure compliance with internal policies and procedures and external regulatory requirements
  • To follow and maintain the compliance of all types and policies of the competent authorities

Employment Status



  • Work at office

Experience Requirements

  • At least 2 year(s)

Additional Requirements

  • Post-Graduation from any reputed university with no Third Division/Class
  • Minimum 2 years of experience in working in a SME/ Corporate Relationship Management Team of a reputed banks /FIs
  • Strong knowledge in banking/ financial services, SME products and compliances
  • Knowledge on regulatory framework, Credit Appraisal, ICRRS and Prudential Guidelines on SME Businesses
  • Well round knowledge of the Bank’s operations and processes and excellent knowledge of credit policies and procedures
  • Experience of working in centralized environment and real time on-line banking will be an added advantage
  • Excellent interpersonal, public relationship, team building and people management skills
  • Excellent communication & interpersonal skills
  • Sufficient knowledge to operate Microsoft Office Applications

Job Location

Anywhere in Bangladesh


  • Negotiable
  • Bengal Commercial Bank Ltd. offers excellent compensation & benefit packages.

Job Qualification

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