Credit Analyst- SME Credit, CRM Division (PO to SPO)

• Spearhead credit proposal evaluations for SMEs, ensuring compliance with Service Level Agreements and regulatory requirements. • Uncover potential risks, including financial, non-financial, and market-related factors, to inform credit decisions. • Lead on-site visits to verify business authenticity, security, and collateral, driving a deep understanding of borrower operations. • Champion adherence to Bangladesh Bank's SME Circulars, internal rating systems, and Environmental and Social Risk Management guidelines. • Analyze credit risks through document review and site visits, determining pricing and terms that balance risk and return. • Drive efficient credit evaluations, aligning with account strategies, risk acceptance criteria, and the Bank's Risk Appetite Statement. • Architect credit structures and terms that reconcile customer needs with the Bank's interests, ensuring mutually beneficial agreements. • Ensure credit recommendations align with the Credit Policy, internal guidelines, and regulatory requirements, mitigating risk and optimizing portfolio performance. • Manage ongoing portfolio monitoring and review, leveraging data analysis and portfolio insights to inform strategic decisions and optimize asset quality.