First Assistant Vice President

• Jul 2021 - Present

Principal Officer

• May 2017 - Jun 2021

i) Assessment and preparation of credit appraisal for existing and prospective clients for different types of credit facilities according to the need of the borrower such as (1) Project Finance (2) RMG Finance (3) Structured/Syndicate Finance (4) Working Capital Finance entailing Cash Credit (Hypo), Over Draft (Revolving-General), Bank Guarantee (BG/PG/APG), Letter of Credit, Post Import Finance (3) Work Order Finance (4) House Building Finance (5) Consumer Financing (6) Take Over Loan in accordance with credit policies, credit lines, procedures and standards ii) Preparation of Restructuring Proposal for regular client in accordance with credit policies, credit lines, procedures and standards iii) Preparation of Rescheduling and Restructuring Proposal for Non Performing Loan in accordance with BRPD Circulars iv) Assessment of risk in borrower selection v) Analysis of financial information & statements of the credit clients and feasibility of projects both for New Project and BMRE Project vi) Executing all documentation formalities and processing disbursement of approved new and enhanced loans with respect to nature of the credit vii) Monitoring customer’s portfolio and other credit related tasks viii) Time to time communication with the client, Head Office and other stakeholders regarding various related issues ix) Periodical project visit, stock visit, office & factory visit x) Taking time to time steps for recovery for delinquent borrower Show less

Senior Executive Officer

• Jul 2016 - May 2017

Executive Officer, Credit

• Sep 2012 - Jun 2016

My key responsibilities are- Preparation of credit limit proposal for Continuous Loan, Demand Loan and Fixed Term Loan for both existing and prospective borrower- Grading Credit Risk and analyzing Financial Statement of borrowers- Making periodic site visit to observe the business activities and record inventory (in case of hypothecation of stock) of borrower- Preparation of periodical statements related to credit and submission of the same to Head Office in time as per guideline- Proper documentation of credit accounts as per terms and conditions of limit sanction advice- Maintenance of SISO registers as per bank rule- Taking time to time steps for recovery of classified loan through preparation of proposal for rescheduling as per Bangladesh Bank Guideline, issuing legal notice through BLA, filing suit under ARAA 2003, NI Act 1881 and under other relevant acts. Show less

Probationary Officer

• Sep 2011 - Sep 2012

Worked at various departments through a series of rotations to understand and gather knowledge on how the Bank works

Executive, I&I, OCC

• Aug 2010 - Sep 2011

My key responsibilities were - Maintaining relationship with Investors and Intermediaries (I&I) clients such as NBFIs, Stock Brokerages, Insurance Companies and Investment Bankers - Preparing BCA (Business Credit Application) - Processing daily funding requirements of the clients with ALM and client’s Treasury department - Handling client’s daily transaction related query and provide resolution in conjunction with the concerned department tax certificate, statement, transaction query etc. - Performing the Customer Due Diligence for both new and existing clients - Assisting the unit on credit documentation and loan draw down - Providing cash management solution to the clients for better manage their working capital - Processing new and existing account opening **Worked as an active team member of SCB as lead arranger for Dhaka Bank Limited’s 7-year Fixed Rate Subordinated Bonds worth Tk 2 billion for capital base in line with the Basel-II framework. Show less