Ratul Zahid
Branch Manager at Standard Bank Limited- Claim this Profile
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Bio
Experience
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Standard Bank Limited
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Bangladesh
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Banking
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300 - 400 Employee
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Branch Manager
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Aug 2022 - Present
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Investment Incharge & corporate financing leader
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May 2016 - Sep 2022
Act as a In-charge of Investment Department and dealing with strategic lead for the different Corporate, Retail & SME customers. Follow up of loan and advance account keeping up with close monitoring.Review and monitor the assessment of different corporate as well as retail client’s practical needs for the financing with different key terms of the peer analysis and going through the proposal with properly scrutinizing of the client business risk factors. Promote and put on the market of financial products to the potential clients.Enable effective control environment by providing SME & Corporate Financing advise on design and execution aspect of controls. After obtainment of Head Office sanction, complete the documentation process i.e charge creation on Mortgage Security, RJSC filling of hypothecation on fixed and floating assets and mortgage security, NIGPA on hypothecation on goods and receivables etc. as point to point and disbursement of all type loans.Uphold of all the security documents of the clients as well as ensure the authentication & genuineness of the documents through the searing process on different govt. offices i.e; District Record Room, Land office, SRO office etc .Ensure of sending all type of advance related statements to Head Office, Bangladesh Bank & other authorities timely & collection of CIB as per rules of Bangladesh Bank. Compliance and reporting of internal, Bangladesh Bank.Embody and lead of the Team for recovery of all slow & sticky accounts as per instruction of Head Office and take legal action as per NI act and Artho Rin Case suit.Focusing on enhancement potential existing credit pipeline as well as new credit portfolio of the branch. Supervise & follow-up of credit portfolio- Corporate, Retail & SME.Monitoring and maintain tracking on client financial performance, Audit compliance, and self- identified credit risk issues to ensure satisfactory closure. Pre-cautionary recovery activities of stuck up NPLs. Show less
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Team leader in Audit Department and Monitoring officer
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Jan 2013 - Apr 2016
Monitor the branches/divisions on internal/external audit findings of internal and Bangladesh bank for timely rectification/correction/mitigation & compliance. Conducting audit and special surprise visit to different branches as per management requirement. Presented the audit memos to audit committee of the Management.
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General banking Incharge
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Nov 2010 - Dec 2012
Acting as General banking in-charge under the responsibilities of Opening of different types of A/cs,Issuing PO/DD, posting Money gram/western Union, BATCH Clearing Inward and Outward, Observation of AML , SBS statement preparing as well as online CIB posting etc.
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Education
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Bangladesh Institute of Bank Management
Master's in Bank Management, Banking -
Jagannath University, Dhaka
Bachelor of Commerce - BCom, Accounting -
Narayanganj University College
HSC, Business studies -
Narayanganj High School
SSC, Science