The City Bank Limited

Associate Risk Manager-Sr. Risk Manager (EO-AVP), SME-M / Corporate Credit Risk Management

The primary responsibility of this role is to administer and plan for a designated credit portfolio containing SME-Medium and Large Corporate Clients of The City Bank Ltd. S/He is accountable for delivering independent, impartial appraisal and recommendation of credit applications while ensuring all the credit activities in his/her portfolio are conducted within the purview of Bank's credit policies and rules and regulations of the Central Bank of Bangladesh. The role is also responsible for review and up-gradation of existing internal credit policies, development of new credit policies, guidelines, and execution process for internal purpose.

Job Description / Responsibility

  • Evaluate credit proposals (Credit Risk Analysis, Business/Industry/Market Analysis, Historical Financial Analysis, Projected Financial Analysis, Technical Analysis, Systematic Risk Analysis, Environmental Risk Analysis, etc.) from both micro and macro-economic point of view.
  • Provide senior management with a clear view on key business and risk factors, using Credit Risk techniques and expert judgment with proper mitigation.
  • Assessment of the legitimacy of the borrowing relationship under the purview of the City Bank's credit policy and other regulatory directives.
  • Structure the credit facilities and limits of a borrower(s) based on client's requirement and assessment of risk associated with lending.
  • Design the security, collateral, covenants, terms and conditions of the lending in order to protect the Bank from undesired outcomes.
  • Negotiate at different stages with different stakeholders for feasible and best possible security packages against credit facility.
  • Preparation of Credit Memorandum with recommendation based on the credit appraisal outcome and submission to the Credit Committee of CBL for further approval by delegated authority.
  • Managing assigned portfolio by assisting in healthy credit growth through registering customized solution at different credit scenario to maintain consistently conservative yet commercially driven credit culture.
  • Identify and set additional covenants to address unsatisfactory transaction nature, any unforeseen risk, even before the next review date.
  • Frequent monitoring of the past due in the portfolio and perfection of security documentation for ensuring proper compliance with approved terms and condition.
  • Identify probable delinquent account by observing the irregularity in repayment and instruct Relationship Team for taking proactive measures to ensure due repayment in timely manner.
  • Assist CRM team in periodic review of the Credit Policy Manual (CPM) to incorporate interim policy changes enacted by the Central Bank of Bangladesh.

Employment Status: Full Time

Educational Requirements

  • Minimum 4 years of graduation from any reputed university.

Experience Requirements

  • At least 4 year(s)

Additional Requirements

  • Age at least 26 years
  • Both males and females are allowed to apply
  • Minimum 4 years of experience in Credit or Relationship Management.
  • Strong capability of rigorous financial analysis.
  • In depth knowledge of Credit Risk Management Guideline of Bangladesh Bank, Bank Companies Act, Credit Policies and other lending related regulatory directives published by statutory authorities.

Job Location: Dhaka

Application Deadline: November 25, 2023