• Analysis and appraisal of credit proposal (related to working capital finance, trade finance) received from RMs of SME/Emerging Corporate Division in light of Credit Policy, Circulars & instructions (BBL & Bangladesh Bank) as applying due diligence in terms of Economic analysis, Industry & business analysis etc. • Visit SME and Emerging corporate client and prepare visit report on client's business premises/outlets as per observation. • Assessment & justification of client's requirement, financial standing, working capital & cash flow analysis, debt service capacity analysis etc. Risk Identification, Risk analysis & mitigating factors of investment, Collateral security analysis, transaction record & account performance analysis, business & market analysis.• Maintain liaison & correspond with the RMs for meeting queries and clarification relating to credit proposals. • Present credit proposal to appropriate lending authority for approval.• Ensure maintenance of turnaround time of all loans.• Collaborate with credit administration Department for loan documentation and necessary action.• Monitoring and review of different loan accounts to identify potential risk/weakness such as excess over limit, expiry of the credit tenor, non-realization of installment, incomplete documentations and follow up with RMs for adjustment/regularization of the account as per terms & conditions on sanction.• Assist on specific tasks as assigned by superior.

Duties/Responsibilities:• Analyze and assess credit proposal as per Bank's lending guidelines and regulations.• Verify the information provided by the loan applicant by visiting the business premise physically.• Assess client's requirement and repayment capacity using key financial indicators.• Identify and mitigate possible credit risk factors of investment considering different aspects of an investment proposal.• Ensure compliance with internal policies and procedure as well as external regulatory requirements during approval.• Review sanction advice ensuring all terms and condition of the credit facility.• Assist on specific tasks as assigned.