Assistant Vice President

• Oct 2022 - Present

Senior Principal Officer, Risk Management Department (RMD)

• Aug 2020 - Oct 2022

• Completion of MRMR, CRMR (Risk Reports) and ICAAP (assessment of Pillar-II capital under BASEL Accord III) and execution of related tasks.• Development of Risk Appetite Statement (RAS) and Management Action Trigger (MAT) and involvement in appetite and trigger review process. • Associating to conduct Stress- Test and prepare the quarterly BASEL Report (Pillar- I).• Active involvement in revision process of related policies and guidelines as per directives of competent authorities including ERMC, BRMC, BoD, BB. • Planning the Agenda on RMD related issues and preparation of Memorandum on those issues for kind information, review and approval of the BRMC and BoD.• Planning the presentation and ensuring all preparation needed thereof on RMD issues for different meetings – ERMC, SRP, BRMC, BoD etc.• Maintaining accuracy of records by taking regular meeting minutes, mainly of ERMC, SRP Team, BU of the Bank and yearly SRP-SREP Dialogue.• Compliance to audit observation on RMD made by internal (DICC) and external audit teams (DBI, BB). Coordination amongst dept./div to ensure compliance on observation made by DoS, BB with half yearly Risk Ratings of the Bank.• Maintaining highly accurate reports’ gist (Notes to MD) on risk issues (threshold breaching, observations, risks identification, recommendations come from ERMC, BRMC, BB etc.) to President & Managing Director through CRO/DCRO.• Facilitating the development of risk based pricing model, concentration indices and other models for risk assessment and analysis purpose. • Execution of different assignments/tasks related with Six Core Risk Desks (importantly CRM, Fx, ALM) maintained at RMD. Show less

Principal Officer, Risk Management Department, HO

• Jul 2017 - Jul 2020

Principal Officer & Relationship Officer (Credit Analyst)

• Jun 2016 - Jul 2017

• Prepared Credit Memorandum with 100% due diligence, timely and in accurate manner for new proposals and annual renewal, taking into account the credit assessment requirements outlined in banks policy & regulatory guidelines.• Scrutinized the clients’ financial health and repayment capacity by calculating CRGS (later ICRRS), preparing FSS, analyzing Financial Statement, sales trend and stock level, CIB and EnvRR on demand and regular basis. • Analyzed the credit portfolio of different types of industries including RMG, Steels, Ship Breaking, commodity traders, Sea Foods etc. • Maintained thorough knowledge of borrowers’ business and industry through regular contact, factory/warehouse inspections, proactive monitoring of financial indicators and account conduct behaviors of borrowers. • Continued regular correspondence / communication with loan customers, other Branches, Head Office, enlisted surveyors and any other bodies as per requirements. Show less

Principal Officer, Foreign Trade Services

• Aug 2015 - Jun 2016

• Issuance, amendment, lodgment and retirement of BTB and Import L/C. Advising, amendment and transfer of Export L/C.• Checked and scrutinized of shipping documents & informed about the discrepancies to parties and negotiated banks. Provided acceptance of deferred L/Cs. • Coordination with branch credit team regarding approval, tenor & interest rates.• Preparation of Statement, Reports for internal and regulatory authority and maintained all type of related correspondences.

Management Trainee Officer (MTO)

• May 2013 - May 2015

• Foreign Exchange & Trade Services, Agrabad Branch, Chittagong, ABBL [Oct’ 2014 to Aug, 2015] • Credit (Investment) Section, Garden Tower Branch, Sylhet, ABBL [Jan’ 2014 to Oct’ 2014] • General Banking Practices, Dhanmondi Branch, Dhaka, ABBL [May, 2013 to Jan’ 2014] • Foreign Exchange & Trade Services, Agrabad Branch, Chittagong, ABBL [Oct’ 2014 to Aug, 2015] • Credit (Investment) Section, Garden Tower Branch, Sylhet, ABBL [Jan’ 2014 to Oct’ 2014] • General Banking Practices, Dhanmondi Branch, Dhaka, ABBL [May, 2013 to Jan’ 2014]