Credit Analyst (Garments Unit & General), Credit Risk Management Division
Job Description
Title: Credit Analyst (Garments Unit & General), Credit Risk Management Division
Company Name: A Reputed Private Commercial Bank
Vacancy: --
Location: Anywhere in Bangladesh
Minimum Salary: Negotiable
Experience:
∎ At least 2 years
Published: 21 May 2025
Education:
∎ MBA/Master's in any discipline from reputed University with no third division in academic records.
∎ Candidates having professional degree/certification in credit risk management will be given preference.
∎ Educational Requirements:
Requirements:
Additional Requirements:
∎ Minimum 02 (Two) years working experience as credit analyst or relevant experience in a commercial Bank / Financial Institution.
∎ Smart, Team player, paired with agile mindset and can-do attitude.
∎ Good communication skill in Bangla and English.
∎ Very good skills in MS Office.
∎ Experience Requirements:
∎
∎ Knowledge, Competencies and Skills:
Responsibilities & Context:
∎ Prepare comprehensive credit proposals (memos) for new and existing garments clients, ensuring accuracy and adherence to bank policies.
∎ Structure loan facilities (e.g., Back-to-Back LCs, Packing Credit, EDF, Term Loans. Invoice Discounting) based on the financial needs of the client.
∎ Present key risk factors and mitigation strategies within the memo to assist decision-making by senior management.
∎ Conduct detailed financial statement analysis (Balance Sheet, income Statement, Cash Flow) to assess the client's financial health.
∎ Assess working capital cycles for garments businesses, ensuring loan structures align with the client’s operating cash flows.
∎ Identify early warning signals (EWS) such as declining revenue, high leverage, or delayed payments.
∎ Recommend the appropriate credit limit. tenure, repayment structure, and security arrangements.
∎ Ensure that loan facilities are structured based on export orders. LC proceeds, and supply chain financing needs.
∎ Validate lCRRs and financial model.
∎ Ensure proposed credit limits align with the client’s historical performance, repayment capacity, and sectoral risk exposure.
∎ Conduct sectoral analysis on the garments industry, tracking export trends, foreign exchange risks, labor costs, and government incentives.
∎ Position: Credit Analyst (Garments Unit & General), Credit Risk Management Division
∎ Job Grade: Junior Officer to Senior Principal Officer
∎ Job Nature: Permanent.
∎
∎ Key Job Responsibilities:
Employment Status: Full Time
Job Location: Anywhere in Bangladesh
Read Before Apply: Interested candidates are requested to apply by May 31, 2025.
No hard copy of application will be accepted.
Company Information:
∎ A Reputed Private Commercial Bank
Application Deadline: 31 May 2025
Category: Bank/Non-Bank Fin. Institution
