Credit Analyst

Company Description Union Bank PLC is a fourth-generation Sharia-based bank in Bangladesh, offering a wide range of ethical and transparent financial products aligned with Islamic principles. Since beginning operations in 2013, the bank has focused on profit-and-loss sharing accounts and interest-free solutions based on Mudarabah and Musharakah. Union Bank PLC has a strong nationwide presence, with branches, sub-branches, and ATMs across all eight major divisions, and robust connectivity through NPSB, EFT, BEFTN, RTGS, and Q-cash networks. The bank also provides advanced digital services, including the “UniON” internet banking platform for fast, low-cost bill payments and fund transfers. Union Bank PLC emphasizes expert guidance, transparency, and long-term customer relationships within the Islamic banking community.

Role Description The Credit Analyst role is a full-time, on-site position based in Dhaka. The Credit Analyst will evaluate the creditworthiness of individuals and businesses, analyze financial statements and credit data, and prepare credit assessment reports in line with Sharia-compliant banking practices. Daily responsibilities include conducting risk analysis, monitoring existing credit exposures, recommending credit limits and terms, and supporting credit approval processes. The role also involves collaborating with relationship managers and other internal stakeholders, maintaining accurate documentation, and ensuring compliance with internal policies and regulatory requirements. The Credit Analyst will contribute to enhancing portfolio quality, minimizing credit risk, and supporting Union Bank PLC’s commitment to ethical and transparent banking.

Qualifications

• Strong credit management abilities with practical experience in credit evaluation and credit risk assessment.
• Excellent analytical skills, including financial analysis, data interpretation, and risk modeling capabilities.
• Effective communication skills for preparing clear reports and collaborating with internal and external stakeholders.
• Solid foundation in finance, banking principles, and Sharia-based financial products and structures.
• Relevant academic background, such as a bachelor’s degree in Finance, Accounting, Economics, Business, or a related field.
• Proficiency in spreadsheets and financial analysis software, with strong attention to detail and accuracy.
• Ability to work on-site in Dhaka, manage multiple tasks, and meet deadlines in a dynamic banking environment.
• Prior experience in Islamic banking or credit analysis within a financial institution is an advantage.