Financial Analyst (AO-JO), Retail Risk, CRM Division


Prime Responsibilities
•  Eastern Bank PLC will recruit some enthusiastic as well as competent individuals in the above mentioned job position who will be passionate in CMSME (Cottage, Micro, Small & Medium Enterprises) and other business visit function to assess financial health of potential clients by analyzing their creditworthiness, reviewing financial statements, evaluating payment history, and conducting on-site visits to verify information. Selected candidate in this position will directly contribute in determining the risk associated with extending credit to a particular client and play a crucial role in decision-making regarding loan approvals or credit limits.
•  The Job Role of the Officer having CMSME and other Business visit function involves assessing the financial health of potential clients by analyzing their creditworthiness, reviewing financial statements, evaluating payment history, and conducting on-site visits to verify information.
•  Conduct on-site business/premises visits of listed Early Alert, NPL & CL accounts on demand of Sr. Management and consolidated visit findings in the MIS for taking future credit decision accordingly.
•  Conduct expressive interview with the applicant, guarantor, referee and other related person with the application as and when required.
•  Pre-screening of all credit proposals, documents as per checklist and prepare complete MIS accordingly.
•  Assess credit proposal as per bank’s credit policy, PPG & norms and in line with the guidelines of the regulators.
•  Cross check business related legal documents such as business license, registrations and other applicable compliance certificates.
•  Ensure compliance regarding collateral and documentation as per approved policy of the bank.
•  Acquire and provide information to line manager or Head of the Department regarding industry trends and market analysis.
•  Forward exception and waiver cases to proper level whenever needed in accordance with PPG(s) and DLA.
•  Send justified queries to concern business sources in line with TAT/ SLA.
•  Implement prudent checks and measures to detain fraudulent & substandard applications and keep record of such fraud attempt and provide record to MIS for preservation and share such fraud attempt among other analysts.


Qualification & Other Competencies
•  Minimum graduate from recognized institutions.
•  Fresh business graduate may apply. However, 1-2 year(s) of experience in respective or similar job role in Banks and NBFIs will get preference.
•  Sufficient credit knowledge in similar sector.
•  Possess good communication and interpersonal skills.
•  Mindset to be a team player and ownership to solve a problem.
•  Competent to deliver assigned responsibilities within deadline(s).
•  Mindset for geographic mobility and flexibility.


Job Location
•  Anywhere in Bangladesh


Compensation & Benefit
•  EBL will offer excellent career opportunities with competitive salary and benefit package.