Experience
- At least 3 years
Education
- Bachelor/Honors
- Masters
Requirements
- At least 3 years
Additional Requirements
- Age At least 18 years
Minimum 3-10 years of banking experience with a proven track record in Credit/Investment Risk Management or related areas.
Candidates having relevant professional qualifications in banking and Islamic finance will get preference.
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.
Responsibilities & Context
Key Responsibilities
Investment Appraisal:
Analyze Investment proposals, conduct detailed financial spreading, ratio analysis, cash flow assessment, and business risk evaluation.
Identify key risks, mitigants, and provide well-structured proposal to the Unit Head for approval by the delegated authority.
Evaluate management capability, market conditions, and sectoral risks.
Existing experience in handling RMG & Textile Sector clients will be given preference.
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 or corrective actions.
Recovery Drive:
Monitor stressed accounts, arranging meeting & issuing reminder letter to develop restructuring and smart action recovery plans for those accounts.
Pursue the Branches for reduction of exposure from the stressed investment clients.
Arrange meeting with the stressed investment clients and follow-up repayments.
Visit customer premises as and when required.
Others:
Ensure proposals follow AIBPLC’s internal Investment policy and Bangladesh Bank guidelines.
Verify that financing requests adhere to Shariah rules, and documentation requirements.
Maintain a database of proposals, approvals, TAT, risk grades, and overdue positions.
Prepare daily, weekly, or monthly reports for the Unit Head on portfolio trends, and risk highlights.
Meet assigned targets and KPIs.