1. Credit Assessment & Appraisal

• Assess and analyze Car/Auto Loan and Credit Card proposals in line with Bank’s Credit Policy, PPG, and Bangladesh Bank guidelines.
• Evaluate applicant financials, repayment capacity, business potential, and overall creditworthiness.
• Review credit history, income documents, bank statements, quotations, price valuation, and other underwriting documents.

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2. Risk Evaluation & Decision Support

• Conduct comprehensive risk assessments including economic, sectoral, and political risk factors.
• Review and recommend credit limits, approvals, declines, and risk-mitigating structures.
• Identify potential red flags, fraud indicators, and inconsistencies in loan/card documentation.

3. Documentation & Compliance

• Verify documentation for both Car Loan and Credit Card applications.
• Ensure strict adherence to Credit Policy, PPG, Bangladesh Bank circulars, AML & KYC standards.
• Maintain clear documentation of decisions with proper justification and risk analysis.

4. Monitoring & Portfolio Management

• Perform pre-sanction due diligence and post-sanction monitoring of borrower performance.
• Track existing credit card accounts for limit enhancement and risk mitigation.
• Support portfolio MIS through reports on approvals, rejections, exceptions, and TAT performance.

5. Coordination & Reporting

• Prepare detailed credit assessment reports, office notes, and analysis sheets.
• Collaborate with branches, card division, sales teams, and MIS units for seamless credit processing.
• Participate in periodic reviews to refine credit policies, scorecards, and risk thresholds.

• Minimum 4 years’ experience in a commercial bank as a permanent employee.
• Must have practical exposure to Credit Analysis of Car/Auto Loans and/or Credit Cards.

Job Responsibilities