Job Responsibilities

• Develop and implement strategies for raising short-term and long-term financing through banks and financial institutions.
• Lead the end-to-end bank loan sanction process, including preparation, submission, negotiation, and follow-up of loan proposals.
• Maintain strong relationships with high level officials banks, financial institutions, and regulatory authorities to ensure timely approval and renewal of credit facilities.
• Prepare and submit all required financial statements, projections, cash flow forecasts, and supporting documents for loan applications.
• Negotiate loan terms, interest rates, collateral requirements, and facility limits to secure favorable financing arrangements.
• Monitor utilization of funded and non-funded credit facilities, including Term Loans, Working Capital Loans, Overdrafts, LTR, L/C, and Bank Guarantees.
• Coordinate with internal departments to ensure compliance with loan covenants and documentation requirements.
• Manage loan disbursements, repayments, interest servicing, and timely renewal of banking facilities.
• Prepare periodic reports on loan status, borrowing costs, facility utilization, and debt obligations for senior management.
• Ensure compliance with Bangladesh Bank regulations, banking policies, and internal financial controls.
• Support treasury and cash flow management by optimizing banking relationships and funding sources.
• Liaise with auditors, bankers, and external stakeholders regarding loan documentation and financial information.
• Analyze financing options and recommend the most cost-effective funding solutions for business expansion and operational requirements.
• Monitor debt maturity profiles and maintain adequate liquidity to support business operations.
• Lead and mentor the finance team involved in banking, treasury, and credit management functions.

Key Competencies

• Strong knowledge of corporate banking, credit facilities, and loan documentation.
• Expertise in financial analysis, cash flow forecasting, and treasury management.
• Excellent negotiation and relationship management skills with banks and financial institutions.
• Sound knowledge of Bangladesh Bank regulations, banking compliance, and corporate finance.
• Strong analytical, communication, and leadership skills.
• Proficiency in ERP systems, Microsoft Excel, and financial reporting tools.