Associate Risk Manager / Risk Manager / Senior Risk Manager

Role Overview

City Bank PLC is seeking analytical and commercially aware professionals to join its Medium Credit Risk Management team under the Credit Risk Management division.

The role is responsible for managing medium business credit portfolios through independent credit appraisal, risk assessment, portfolio monitoring, policy compliance, and risk mitigation activities.

The position plays a critical role in evaluating lending proposals, recommending appropriate financing structures, maintaining portfolio quality, and ensuring compliance with Bangladesh Bank regulations and internal credit governance standards.

Key Responsibilities

• Evaluate credit proposals through business, industry, financial, technical, environmental, and systematic risk analysis.
• Prepare detailed Credit Memorandums including financial analysis, loan structuring, recommendations, and mitigation strategies.
• Brief Unit Head, HoCRM, CRO, and management regarding proposal risks and commercial viability before approval.
• Conduct initial negotiation of credit proposals with clients and relevant stakeholders.
• Structure financing solutions aligned with repayment capability, business requirements, and associated risk exposure.
• Conduct due diligence and identify key credit risks associated with lending proposals.
• Design collateral structures, covenants, securities, and risk mitigation arrangements to protect the Bank’s interests.
• Monitor SMA, PD, potential classified accounts, repayment irregularities, and deteriorating portfolios.
• Review Drawing Power (DP), stock inspection reports, and repayment performance regularly.
• Coordinate with relevant teams to implement Non-Performing Loan (NPL) management strategies.
• Identify early warning signals and ensure timely Early Alert reporting and escalation.
• Conduct regular client visits for portfolio assessment and relationship evaluation.
• Support healthy portfolio growth through commercially viable yet risk-controlled credit decisions.
• Ensure all financing proposals comply with Bangladesh Bank regulations and internal credit policies.
• Maintain portfolio MIS and ensure proper management of credit documentation and Loan Proposal Tracking System (LPTS).
• Support internal and external audit activities by coordinating documentation and resolving audit observations.

Requirements & Competencies

• Education: Minimum 4-year Graduation degree from a recognized university. Preferred disciplines include Business Administration, Finance & Banking, Accounting, Economics, Management, Marketing, and Commerce.
• Experience: Minimum 2–3 years of experience in banking or financial institutions. Experience in Credit Risk Management or Relationship Management will be preferred.
• Regulatory Knowledge: Strong understanding of Bangladesh Bank Credit Risk Management Guidelines, lending regulations, and Bank Companies Act requirements.
• Financial Expertise: Strong analytical capability with sound understanding of Accounting, Finance, Economics, and financial analysis.
• Technical Skills: Proficiency in MS Word, Excel, Outlook, and credit portfolio management processes.
• Professional Skills: Strong communication, negotiation, interpersonal, and relationship management capability.
• Behavioral Competencies: Ability to work under pressure, manage multiple priorities, maintain ethical standards, and operate with a result-oriented mindset.
• Work Style: Strong teamwork, time management, and proactive problem-solving capability.

About City Bank PLC

City Bank PLC is one of Bangladesh’s leading private commercial banks, recognized for its modern banking services, strong governance, and customer-centric financial solutions.

The Bank operates across retail, SME, corporate, and digital banking segments while maintaining strong regulatory compliance and risk management practices.