MD ABDUL WADUD

• To lead the Banking & Treasury functions of the whole group.
• Directing financial planning and strategy of AFL as well as the group.
• Structuring Solutions for maintaining existing credit facility/Loan relationship with various financial institutions and arranging enhancements/structuring limits etc with the growing requirement of the group.
• Advising the group on banking needs and all related banking/other related circulars of Banking and treasury functions of the group
• Restructure the Banking Credit Facilities of the group with solution towards short term and long-term repayment.
• Analyzing and reporting on financial performance and budgeting
• Maintaining relationship with central bank, various public and private commercial banks and enhancing the creditability of the group.

• Worked closely with organizational leadership and board of directors to guide operational strategy.
• To Lead the whole business team except retail part & grow the business in Corporate, SME and FI Business.
• Restructure Business Model of Corporate & SME Banking to fit the next excelling growth
• Restructure total Stressed Account Units, Legal and Recovery Unit towards planned recovery and earning yield from stressed Assets and non-performing assets.
• Extend necessary guidance and support to operating units in executing critical trade transactions of the customer
• Review and Offer supervision and guidance to plan, design, launch & monitor debt recovery campaigns and programs.
• Establish FI relationships in various currency with different Bank and earning the creditability toward having higher confirmation lines and RMA relationships.
• Guiding the investment banking to maximize profit with managing risk and compliance
• To lead treasury for balancing the overall fund management and addition to FX risk business and compliances.

· To strategize & develop the business plan to drive and grow the business in Commercial business, SME M and Supply Chain Finance Business.

· Also responsible for driving the commercial business team to meet the planned business targets and drive consistent growth along with arranging offshore financing, multilateral relationship financing.

· Liaison with central bank to sort out regulatory requirements as and when required and Periodical review of existing processes to determine that those are efficient, compliant and productive in Legal Division.

· Advising on regulatory Compliance & guidance to legal team of the Bank.

· Establish & implement Special Asset Management policies for management of non-performing assets.

· Review and Offer supervision and guidance to plan, design, launch & monitor debt recovery campaigns and programs.

· To oversee the development and implementation of the bank’s risk management function and supporting the board in its development of the bank’s risk appetite translating it into a risk limits structure.

· To remain actively engaged in the process of setting risk measures and limits for the various business lines and monitoring their performance relative to risk-taking and limit adherence.

· To manage and participate in key decision-making processes (eg strategic planning, capital and liquidity planning, new products and services, compensation design and operation).

· To remain in independent role and have duties distinct from other executive functions.

· Besides risk function, to implement and enforce corporate-wide anti-money laundering policies, procedures and measures and is also designated as the Chief Anti-Money Laundering Compliance Officer (CAMLCO) of the bank. The CAMLCO shall implement and enforce corporate-wide anti-money laundering policies, procedures and measures and will report directly to the Managing Director & CEO.

• Primarily responsible for managing Credit Risk Management Division with overall responsibility as a LEADER.
• Dispensing time to time guidance / suggestion in assisting Risk Managers for preparation of credit memos & disposal, monitoring, highlighting & mitigating of exception, conditions, overdue, expired credit etc of Bank’s Credit. Past due, SMA, Early Alert & EXIT Account review, Compliance with banks internal & external regulation.
• Judicious of application of lending authority while approving credit applications.
• Adaptable to changes in business dynamics in the internal & external environment
• Resolved problems, improved operations and provided exceptional service.

• Primarily responsible for managing Structured Finance Unit as a “Head of Structured Finance” with overall responsibility as a LEADER.
• Emphasize Fee Based Earning of the bank and identify & attract potential syndication deals (Corporate Business and Capital Market) and Agency Business and lead the team to achieve business/earnings budget.
• To arrange fund for syndication deals covering Corporate Business as well as Capital Market from a number of financial deals utilizing both offshore and onshore lenders/financiers
• Also responsible for the overall relationshipfrom both business and credit perspective with corporate customers under syndication deals and Agency relationship.
• Structuring credit facilities, working capital need assessment, doing Financial Analysis and Spread Sheet analysis, and Credit Risk Management.
• Ensuring Credit Risk quality of syndication portfolio, continuously monitor financed deals, make calls on customers to ensure quality of assets, execute project visits, identify credit issues etc.

• Primarily responsible for managing a Corporate Business Unit as a “Unit Head” with overall responsibility as a leader.
• Also responsible for the overall relationship from both business and credit perspective with corporate asset customers.
• Identify and attract potential customers and help achieve team business/earnings budget.
• Structuring credit facilities, working capital need assessment, doing Financial Analysis and Spread Sheetanalysis, and managing credit risk.
• Help ensuring quality of assets, continuously monitor accounts, make calls on customers to ensure quality of assets, execute factory inspections, identify credit issues, maintain monitoring standards set by the bank.
• Overall presentation of Credit Memorandums (CM)/Credit Proposals with justification.
• Ensuring timely renewal & review of approved credit lines, follow-up and comply bank’s credit process/policy and get the job done by the ARM/RM of the team.

• Overall management of the Branch as “In-Charge” with responsibility for the relationship with corporate and individual customers from both corporate and consumer business and credit perspective.
• Met deadlines by proactively managing individual and team tasks and streamlining processes.
• Overview of all requirements for existing and new customers with various analysis of financial spreadsheets and assessment of credit needs, documentation and follow up and reporting.

• Overall management of the Branch’s customer service and customer dealing. Later on worked as Export In-charge.
• Managing relationship with corporate and individual customers.
• Worked in customer service department (general banking) of the branch on rotation basis for the first 9 months after joining at EBL.
• First 9 Months in Rotation as Probationary Officer