Md. Sarwar Hossain
Dhaka
Summary
Experienced Relationship Manager with over 15 years of expertise in SME banking, credit analysis, and supply chain financing. Proven track record of supporting loan disbursement processes, ensuring compliance with Central Bank regulations, and maintaining strong client relationships. Adept at MIS, reporting, audit resolution, and business development strategies.
Overview
17
17
years of professional experience
2007
2007
years of post-secondary education
Work History
Senior Executive Officer
United Commercial Bank PLC
01.2023 - 06.2025
- Ensure smooth execution of invoice processing under Supply Chain Financing
- Verify invoices and keep proper tracking of financing
- Ensure accurate documentation prior to disburse the financing
- Coordinate with internal teams to ensure timely approval and disburse of funds
- Managing Customer queries and maintain strong relationship
- Understand the financial needs of the client and provide tailored banking solutions
- Ensure sound portfolio by proper monitoring of the clients
- Track payments and coordinate with the business team for on-time collection
- Coordinate with risk and operations teams to ensure compliance
- Resolve any discrepancies or issues in invoice financing promptly
- Identify and report risk related to customer transactions or non-compliance
- Focus on improving customer satisfaction by providing prompt and efficient service
- Maintain strategic partnership and long-term relationship with corporate clients
- On-board new corporate clients and responsible for all due diligence for the on-boarding process
- Be the focal person of the corporate clients and their suppliers
- Maintained MIS, reported to senior management, and handled audit communications.
- Visited suppliers and on boarded them to SCF programs through nearest branches
- Supported SME business targets across branches and handled deferrals and document compliance
Executive Officer
United Commercial Bank PLC
03.2018 - 12.2022
- Submission of CGS application to Central Bank under Credit Guarantee Scheme (CGS) [under refinance & Pre-finance scheme]
- Monitor to branches for disbursement under Credit Guarantee Scheme (CGS) approval and issue pay order to Central Bank as per CGS approval
- Monthly and quarterly report to Bangladesh Bank under CGS
- Deferral/exception for document/related matters mentioned in sanction to ensure smooth loan disbursement & follow up the same on regular basis very strictly & maintain deferral MIS
- Visit supplier’s business premises or factory and on board to our nearest branch under Supply Chain Financing with corporate clients
Senior Officer
The Premier Bank Limited
08.2017 - 03.2018
- Ensure own business target assign by the Management.
- Support branch to ensure achievement of branch SME & Agri business target allocated by the head office
- Review branch proposal and submit it to SME asset business head to place in the CBO desk for credit approval decision
- Visit client’s business premises and factory to verify the stock and production as and when required along with Branch’s RO/RM
- Prepared weekly and monthly report on branch SME target vs achievement
- Maintain strong relationship with CRM/CAD for quick disposal of SME loan proposals of assigned branches
Officer & Senior Officer
The Premier Bank Limited
03.2015 - 07.2017
- Assessed SME loan applications and conducted CRG analysis.
- Reviewed financials, conducted field visits, and ensured regulatory compliance.
- Prepared credit proposals and liaised with Bangladesh Bank for refinance reporting.
- Analysing Credit Risk Grading (CRG).
- Analysing financial statements and Bank Statements of the business.
- Physically visit prospective customer’s business premises and factory prior management decision
- Prepare Quarterly report on SME for Bangladesh Bank
- Maintain the proper correspondence with Bangladesh Bank for Refinance issue (ADB, WEC & JICA)
Credit Support Officer
Standard Chartered Bank
02.2008 - 10.2011
- Handled document screening, vendor visits, and pre-screening assessments.
- Prepared reports, supported customer interviews, and managed income assessments
- Manage and monitor to vendor for Contact point verification of individual customer
Education
MBA - Marketing
Stamford University Bangladesh
Bachelor of Arts - undefined
National University
HSC - Science
Hazera Taju Degree College
SSC - Science
N.M.C Model High School
Skills
Loan processing
Credit Risk Grading (CRG)
Credit Guarantee Scheme (CGS)
SCF expertise
Audit handling
Documentation skills
MIS maintenance
Regulatory reporting
MS Word
Excel
PowerPoint
Banking software
eBBS (SCB)
Bank Ultimus (PBL)
CBS (UCB)
Communication
Interpersonal abilities
Client relationship management
Work under pressure
Independently
Interests
Interacting with people and exchanging ideas
Challenging work and problem-solving
Cricket
Football
Tennis
Watching movies
Personal Information
- Father's Name: Md. Abdur Rob
- Mother's Name: Jahanara Begum
- Spouse's Name: Tania Rahman
- Date of Birth: 01/15/84
- Nationality: Bangladeshi
Training
- Workshop on Supply Chain Financing, ADB, 2023
- Workshop on Management of Non-Performing Loans, 2023
- Workshop on Lean Six Sigma Green Belt (LSSGB), 2022
- Prevention of Trade and Credit Based Money Laundering, UCB, 2022
- Training on Prevention of Credit/Loan Based Money Laundering, UCB, 2021
- Agriculture & Rural Banking, BIBM, 2014
- Foundation Training, Premier Bank, 2012
- Detecting Fake Documents and Bank Statements, SCB, 2010
Timeline
Senior Executive Officer
United Commercial Bank PLC
01.2023 - 06.2025
Executive Officer
United Commercial Bank PLC
03.2018 - 12.2022
Senior Officer
The Premier Bank Limited
08.2017 - 03.2018
Officer & Senior Officer
The Premier Bank Limited
03.2015 - 07.2017
Credit Support Officer
Standard Chartered Bank
02.2008 - 10.2011
Bachelor of Arts - undefined
National University
HSC - Science
Hazera Taju Degree College
SSC - Science
N.M.C Model High School
MBA - Marketing
Stamford University Bangladesh