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ROLE TITLE
Title: Assistant Manager, Credit Control Department: SME, Consumer Banking
Current incumbent: Eishita Alam Grade: 8
Location: Dhaka, Bangladesh Date: 16th August, 2009
REPORTING RELATIONSHIPS:

Reports Directly to: Senior Manager, Credit Policy and Risk Management, SME, Consumer Banking
Reports Indirectly to: VC Country Risk Manager, SME, Consumer Banking JOB PURPOSE:

To assess lending applications as per PPG and review relating to discretionary lending. To recommend whether the loan can be granted and to conduct research and analysis related to lending applications and reviews as required.

DIMENSIONS: Direct Reports: Credit Policy Analyst, Small Business
Indirect Reports: None
Authorities: As per Delegation of Authority (DOA). The jobholder has the authority to take decisions on credit related issues within authority level. Refers to Senior Credit Manager on issues beyond authority limit and policy related matters.

ORGANIZATIONAL CHART:

Pls find attached.

RESPONSIBILITIES:

1. Assess lending applications to ascertain whether loan meets lending criteria and therefore whether loan should be approved.

2. Ensure all approval related procedures are completed prior to handing file to Credit Operations for processing and drawdown.

3. Liaise with Branch Managers, Personal Financial Consultants, Sales Team Managers and Sales Managers/Officers regarding the status of customer loan application.

4. Conduct periodic credit reviews on loan accounts held within Credit Centre to ensure accounts are in order and as approved.

5. Develop and introduce new and innovative credit measures to improve quality of portfolio such as negative checks, simplification of credit process to ensure workflow consistency within credit approvals and high portfolio standards throughout

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