Graduates are recruitment as Unit Head/Retail Underwriting post in the BRAC Bank Limited

Job Responsibilities

• Approve/recommend/decline of home loan proposal as per Bank’s guidelines and Bangladesh Bank regulations.
• Support HRD for processing of all type of staff loans proposals.
• Monitor and manage the proper assessment of credit proposal, and recommend by analyst/managers to ensure that they are done as per the policy and relevant regulations.
• Monitor the Turnaround Time (TAT) and ensure fair assessment within the acceptable TAT and guide team members to smoothen the approval and disbursement process by maintaining TAT.
• Assist management to forecast profitability of loan products via portfolio analysis, detect delinquency trend, identify concentration risk to assess the impact of planned credit, marketing and operational decisions.
• Actively participate and help management to review the capacity planning, PPG, credit policy etc.
• Ensure compliance with the Laws of the land, internal policies/procedures and external regulatory requirement.
• Implement and exercise all internal and external audit recommendations.
• Provide risk mitigation solutions/alternatives when necessary in line with the policies, guidelines.
• Provide value-added risk information to assist business in achieving sustainable & profitable growth.
• Maintain a network of continuous and interactive relationship with the branch managers, sales managers and branch/direct sales team regarding credit & collection issues through regular presentations, counselling and coaching sessions.
• Ensure the harmony among the Credit, Business, Products, Operation, CIB, CVU, Collection, Acquiring, DRM, MIS, Technical, IT and HR teams or any other wings to minimize the risk of the retail business lending.
• Improve productivity, efficiency, and service level while operating within approved headcount.
• Provide feedback/recommendations regarding credit policies / PPG and procedures adjustments/changes.
• Participation in the meetings for smooth operation and setting strategic plan.