Ouvrier Polyvalent

• Mar 2020 - Present

Team Leader NRSP Islamic Micro Finance Bank

• Feb 2019 - Aug 2019

Scrutinize and verify information, documents, collateral and other detail regarding applicants as narrated in the financing agreement.Ensure genuineness of finance requirement, business, applicant, guarantor and collateral to ensure that loan will not be hijacked or misused.Guide and support branch team members in execution of day to day credit, recovery and default management procedures / practices.Regularly assess client’s repayment capacity (whether performing, nonperforming or written off loans) through re-analysis of loans status of current business, assets, collateral and activities of guarantors (replacement of guarantors) including social behavior.Visit vendors / collateral evaluators to check their credibility and worthiness.Conduct portfolio quality level negotiations at branches, analyzing past performance in terms of target achievements and loan losses, and propose workable proposals / solutions for adoption.Coordinate with branch sales team to ensure that product wise default ceilings and recovery efficiencies are maintained as per annual bank strategies / benchmarks.Review and provide feedback to area coordinators on portfolio quality performance of respective branch.

MSME LO

• Sep 2016 - Jan 2019

Identify new MSME/ small business enterprises in the assigned area. Assess their loan requirements based on customer need and present appropriate loan proposals to the credit committee for approval. Develop and analyze financial statements of the MSMEs in order to access the financial soundness of the business and his repayment capacity. Conduct loan appraisal, collect and verify detailed information (personal, business, guaranties and collateral pertaining to MSMEs) to open new MSME loan accounts. Prepares and execute loan contracts and arrange for disbursement of loan. Receive feedback of MSME clients for product enhancements and new product requirements. Maintain good relationship with MSME clients and promptly address their queries. Meet internal service standards and ensure no service related complaints are received from customers. Monitor MSME loans and ensure timely repayment. Conduct, complete and process MSME loan booking / documentation in strict compliance with KBL’s policies, procedures and regulatory requirements.

Administrator & Researcher

• May 2015 - Jul 2016

As a part of team Resource Smith my responsibilties are to conduct reasearch regarding required issues and participate in administrative activities. As a part of team Resource Smith my responsibilties are to conduct reasearch regarding required issues and participate in administrative activities.

Internship

• Dec 2013 - Mar 2014

Sales & Distribution Department/ MFSI have been done three months internship. During that intership period i have been learned lot of things by working on different short projects like U-paisa Promotion, Administrative, Computer Operator, Office work and Account opening. Sales & Distribution Department/ MFSI have been done three months internship. During that intership period i have been learned lot of things by working on different short projects like U-paisa Promotion, Administrative, Computer Operator, Office work and Account opening.