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

Job Description

Vacancy

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

Full-time

Workplace

• 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

Salary

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

Job Qualification