Md. Talha Talukder

• Current Responsibility: Corporate & SME Credit (funded, non-funded) & Consumer Credit, Trade
• Credit Appraisal:
• Receiving Request for Credit from the Clients
• Collection of CIB report
• Scrutinizing Submitted information
• Collection of all other required information
• Analysis of Loan Proposition & Purpose
• Security Arrangement
• Appraisal of financial aspect
• ICRRS/Credit risk grating (CRG)
• Credit rating, if required
• Compliance with lending guidelines along with environmental compliance
• Making recommendations
• Placing for approval
• Post Approval functioning:
• Receiving approval proposal from Head Office
• Receiving sanction advice/offer letter from approval authority
• Making acceptance of the offer letter from client sending to credit operations along with complete loan documentation checklist (LDCL) and security compliance certificate (SCC)
• After disbursement, regular follow-up of the facility
• Disbursement, Documentation and Monitoring:
• Issue and acceptance of offer letter
• Complete security mortgage formalities against the facilities (if any)
• Documentation (Charge document and Security document)
• Disbursement
• Custodial duties
• Ensure compliance
• Credit monitoring and early alert process
• Executing any other duties as and when required by the Management or Line Manager
• For Non-Performing Credit:
• Accounts follow-up for recovery
• NPL monitoring
• NPL provisioning, rescheduling and write off
• Taking precaution and applying some non-legal measures
• Taking legal action against defaulted clients
• Foreign Trade:
• Having comprehensive knowledge in foreign trade business operations, documentations along with foreign trade regulations act and guidelines of Bangladesh Bank for foreign trade transactions
• Checking of Export L/C & opening of Import L/Cs against the same as per entitlement
• Scrutiny of related import documents lodgment, obtaining acceptance & confirming maturity date against Back-to-Back L/Cs
• Checking, monitoring and ensuring the proper documentation against sanction limits and compliances of all terms and conditions by the clients.
• Local bill purchase, Acceptance authentication & Bangladesh Bank dash board Posting Confirmation
• Acceptance maturity payment monitoring & confirmation
• Reporting:
• ISS
• CL
• Online CIB Data Batch Reporting
• Monthly & Quarterly Statement

• Maintain Credit Portfolio of the Branch
• Internal Control and Compliance of Credit Department
• Credit Proposals (all types) fresh, renewal and sanction
• Credit administration and Loan Documentation
• Completing and maintenance of 'mortgage and charge' related functions
• Arranging Disbursement/Maintaining loans
• Monitoring, Supervision and Follow Up of the loans/advance for early alert
• Cross checking of another officer's transaction/vouchers
• Preparation of Statements
• Timely filing of Suits
• Holding keys
• Marketing and development of deposits
• Overall supervision of Credit Department of the Branch under the guidance of Manager
• Improved creditor-client relationships by effectively managing a large portfolio of accounts and promptly addressing concerns.
• Ensured compliance with relevant regulations and industry best practices, staying up-to-date on changes affecting the credit industry.
• Participated in regular audits of internal processes to enhance efficiency within the department while maintaining accuracy standards.
• Maintained accurate records of all credit-related activities, facilitating efficient reporting and analysis for management review.
• Managed disputes effectively, investigating issues thoroughly and implementing appropriate resolutions to maintain client satisfaction.
• Developed tailored credit solutions for clients, taking into consideration their unique needs and financial circumstances.
• Educated clients on their account status and available options, fostering trust and promoting long-term business relationships.

• Credit Proposals (all types) fresh, renewal and sanction
• Charge document & Safe in Safe out Register maintains
• Consumer & retail Credit
• Preparing periodical statements for Head Office and Bangladesh Bank
• Credit administration and Loan Documentation
• Accounts follow-up for recovery
• Marketing and booking new account
• Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
• Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Increased customer satisfaction scores by promptly addressing concerns and resolving issues related to credit products.

Joined in Dhaka Bank PLC as a Management Trainee Officer (MTO) in February 01, 2018