BRAC Bank is one of the most sustainable banks in Bangladesh. Established with a view to financial inclusion, BRAC Bank is the pioneer of SME Banking in Bangladesh, delivering a full array of banking services to individuals and business entities. Its strong financials, along with the best credit rating from the top global and local rating agencies and numerous recognitions, speak of the bank's aspiration towards becoming the best bank in the country.

BRAC Bank is currently looking for an ambitious, intelligent, goal-oriented, and enthusiastic individual for the following position in its Risk Management Division:

Associate Manager/ Manager Auto Loan Retail Underwriting

KEY RESPONSIBILITIES

• Scrutinize, assess and review all kinds of auto and personal loan (self-employed and employee banking) proposals according to the lending guidelines and regulations of the bank;
• Ensure compliance with internal policies and procedures and external regulatory requirements throughout the assessment process;
• Approve loans as per Delegation of Lending Authority (DLA) and identify, calculate and mitigate possible risk factors;
• Assess client’s requirement and repayment capacity using the key financial indicators; perform phone interview/ physical visits to customers as required;
• Ensure standard Turnaround Time (TAT) of loan processing and maintain Service Level Agreement (SLA) throughout the assessment process;
• Process all sorts of requests for re-structures/ intimation and review any other post disbursement requests of relevant loan clients following the bank’s policies and regulations;
• Review existing Program Policy Guidelines (PPG), and policy and recommend changes subject to market variables and regulatory requirements;
• Recommend, execute and assist other stakeholders in process improvement;
• Assist in specific projects/tasks as assigned by management;
• Monitor and review portfolio trends and overdue analysis and share the findings with management;
• Prepare training material and presentation and conduct training/ knowledge sharing sessions for credit analysts and business channels;
• Provide support during external and internal audits and inspections.

KEY QUALIFICATIONS

• MBA/ Master’s Degree in relevant field would be preferable from a UGC-granted university or an internationally accredited university;
• Minimum 3 years of experience in Retail Underwriting under Credit Risk Management Division will be preferable;
• Analytical ability, ability to the assessment of credit risk and mitigation strategy;
• Knowledge of financial modeling, financial spread sheet analysis, and loan structuring;
• In-depth knowledge of CRM Policy (Bangladesh Bank), credit-related circulars and guidelines (external and internal), Bank Company Act, Foreign Exchange Transaction Act, loan documentation, etc.;
• Expertise in dealing with officials of Bangladesh Bank;
• Good interpersonal communication skills;
• Proficiency in Bangla and English;
• Strong command over Microsoft Office Package;
• Self-propelled, proficient in customer-centricity, team player, and capable of meeting deadlines.

BRAC Bank is a values-driven organization and believes in protecting all its stakeholders, including the employees and the community we work with, from all forms of harassment, abuse, neglect, exploitation, and discrimination. As an equal opportunity employer, BRAC Bank encourages applications from any gender-diverse individuals and persons with disability. We consider personal persuasion as disqualification of candidature

If you are interested in taking up the challenge, please 'Apply Online'. 

Only short-listed candidates will be communicated for the next stage as per the recruitment process. BRAC Bank reserves the right to accept or reject any application without assigning any reason whatsoever.

BRAC Bank does not charge any fee at any stage of the recruitment process.

Application Deadline: June 25, 2022