Investment Risk Analyst - Corporate Investment Risk Management Dept. (SEO-AVP)

• 5 to 8 years
• The applicants should have experience in the following business area(s): Banks

• Masters
• Bachelor/Honors

• Graduation or Post-Graduation in Commerce, BBA, MBA, or a relevant discipline from a UGC-approved local or reputable foreign university will be preferred;

• No Third division/class/equivalent result in any academic examination.

• 5 to 8 years
• The applicants should have experience in the following business area(s): Banks

Qualification & Other Competencies: 

• At least 5-8 years of banking experience with a proven track record in Credit/Investment Risk Management or related areas; It can be relaxed in case of exceptional quality or demonstrated capacity.

• Relevant professional qualifications in banking and Islamic finance.

• Strong business acumen, analytical ability, and sound decision-making capacity;

• Excellent interpersonal, negotiation, and communication skills;

• Should possess a proactive and client-centric approach, and be capable of working under pressure.

1. Investment Appraisal

• Analyze Corporate investment proposals submitted by Branches and Wholesale Banking Division.

• Conduct detailed financial spreading, ratio analysis, cash flow assessment, and business risk evaluation.

• Evaluate management capability, market conditions, and industry risks.

• Review and verify the correctness and completeness of required documents (e.g., collateral valuation).

• Ensure the proposed financing structure complies with Islamic modes (Murabaha, Bai-Muajjal, Salam, Istisna, Musharaka, Mudaraba, Ijara, etc.).

• Identify key risks, mitigants, and provide well-structured proposal to the Unit Head for approval by the delegated authority.

• Visit customer premises as and when required.

• Existing experience in handling RMG & Textile Sector clients will be given preference.

2. IRRSS & Financial Assessment

• Review internal risk grading for corporate clients using Bangladesh Bank-approved models.

• Validate assumptions and ensure accuracy of input data (financials, business parameters).

3. Portfolio Monitoring & Early Warning

• Track repayment behavior, overdue trends, and limit compliance for assigned accounts

• Support early warning detection by monitoring triggers as outlined in Early Warning policy.

• Assist the Unit Head in following up with business teams for clarifications or corrective actions.

4. Compliance & Shariah Adherence

• Ensure proposals follow AIBPLC’s internal Investment policy and Bangladesh Bank guidelines.

• Verify that financing requests adhere to Shariah rules, and documentation requirements.

• Highlight deviations, irregularities, or non-compliance issues for corrective action.

5. Reporting & MIS

• Maintain a database of proposals, approvals, TAT, risk grades, and overdue positions.

• Prepare periodic reports for the Unit Head on portfolio trends, sectoral exposures, and risk highlights.

6. Coordination & Communication

• Communicate with Branches/Business Division to collect missing documents or clarifications.

• Work closely with unit teams, business departments, documentation units, etc.