Assistant Vice President (AVP)

• Jan 2021 - Present

Core Functions:• Conduct and reschedule NPL Loan• Evaluate the customer repayment ability• Prepare & submit credit proposal/memo.• Monitor and supervise all functions of Loans• Monitor, measure and mitigate all kind of credit risks• Inspect collateral security & business center of borrower• Visit and feasibility analysis of proposed borrower’s project & security• Prepare SLC, ULC, UPAS LC, EDF LC, LTR, Back to Back LC, LBPD etc. • Prepare, inspect and check all credit proposal, such as -- CC(H) OD (Gen)  Transport Loan Hire Purchase Loan HBL (Com)  Lease Finance Other UCB SME Loan (Dhrubo, Onkur, Durjoy, Dipti etc.)• Analyze AML Risk, Interest Rate Risk, Liquidity Risk, Market Risk etc.• Discussion with Bank’s Legal Adviser with affecting the interest of bank• Supervise Financial Statement, Working Capital Finance, Project Feasibility• Ensure legal compliance with credit sanction, disbursement and tenure of the loan• Manage all deeds, documents, papers before preparing credit proposal/Office Note Show less

Senior Executive Officer

• Jan 2018 - Dec 2020

• Ensured sustainable portfolio growth of SME Division • Reduced non-performing loan (NPL) by taking different qualitative & quantitative measure • Contributed in SME policy modification and SME product modification• Played key role on internal credit risk rating system (ICRRS) implementation work • Trained and developed employees regarding Credit Assessment procedures and Foreign Exchange issues • Currently supervised 05 Nos. of Branch including 02 Nos of AD Branch where I have ensured the credit quality, compliance, bank Show less

Executive Officer

• Jan 2016 - Dec 2017

Senior Officer

• May 2013 - Dec 2015

Trainee Officer

• May 2012 - Dec 2013

Territory Sales Officer

• Jun 2009 - May 2012