MOHAMMAD AL MAMUN
Fazila's Fortune Residence, H: 219/1/A/C, Banasree-Bhuiyan Para Link Road, Banasree, Dhaka.
Summary
Seasoned credit administration professional with more than 15 years of experience in managing comprehensive credit operations processes, documentation, and regulatory compliance. Recognized for enhancing operational effectiveness and reinforcing risk governance. Seeking a senior management position to drive strategic initiatives and innovation in credit administration.
Overview
15
15
years of professional experience
1
1
Certification
Work History
SPO & Manager
Eastern Bank PLC.
Dhaka
10.2017 - Current
- Drafting and reviewing loan agreements, security documents, and other credit-related documents.
- Ensuring compliance with internal credit policies, regulatory guidelines, and legal requirements.
- Coordinating with legal counsel for legal documentation and dispute resolution.
- Verifying borrower compliance with covenants, conditions precedent, and conditions subsequent.
- Managing amendments, waivers, and modifications to credit agreements.
- Liaising with relationship managers, CRM, Trade, and legal departments to facilitate smooth execution of loan documents.
- Interacting with corporate clients to clarify documentation requirements.
- Ensuring proper documentation and registration of collateral, such as mortgages, lien, and hypothecation.
- Managing security perfection and regulatory filings to protect the bank’s interest.
- Maintaining a repository of executed credit documents and ensuring timely renewal or updates.
- Monitoring compliance with loan covenants, periodic reporting requirements, and security valuations.
- Assisting in loan disbursement by ensuring all pre-disbursement conditions are met.
- Supporting internal audits and regulatory inspections by providing required documentation.
- Implementing process improvements in credit documentation workflows.
Senior Officer
LankaBangla Finance PLC.
Dhaka
08.2014 - 10.2017
- Scrutiny/review of both security and legal documents of SME and Corporate clients.
- Prepare related documents for charge/hypothecation of mortgage properties and/or fixed/floating assets with RJSC and obtain search report in case of first ranking charge (inapplicable cases).
- Prepare, maintain, and circulate various MIS reports to management on a periodic or on-demand basis.
- Follow-up, collect, and update all pending and exception-related documents on a periodic basis.
Officer (OG-II)
BRAC Bank PLC
Dhaka
12.2011 - 07.2014
- Checking and verifying the mortgage-based loan documents as per approved checklist and product guidelines.
- Communicating with the business team regarding their loan files by maintaining the SLA.
- Follow-up on the deferral documents and prepare a report of expired deferral items.
- Prepare relevant MIS reports on SME loan clients and operational risk reports on a periodic basis.
- Maintaining and ensuring timely compliance with all audit objections raised in the reports of both external and internal auditors.
- Assisting the manager to timely prepare various project jobs like updating the Operation Manual, Product Program Guide, Service Level Agreement, and standardization of charge documents for all types of loans.
Operations Assistant
Standard Chartered Bank
Dhaka
09.2010 - 12.2011
- Processing, documentation, QC, MIS, and settlement of consumer loans (both secured and unsecured).
- Ensuring compliance with Credit Approval Conditions and internal and external regulatory requirements.
- Maintaining and updating different databases relating to loan operations and settlements.
- Disbursement of different loans in the system.
- Processing documentation of both unsecured and secured loans.
- Closing of both secured and unsecured loans.
- Monthly BB CIB reporting.
- Encashment and Lien activities of WEDB’s and FD’s.
Education
Bachelor of Business Administration (BBA) - Marketing
East West University
Dhaka2010
HSC - Business Studies
Notre Dame College
Dhaka2005
SSC - Science
Khilgaon Government High School
Dhaka2003
Skills
- Loan documentation
- Process improvement
- Covenant monitoring
- Risk assessment
- Audit support
- Credit compliance
- Crisis handling
Community & Volunteer Involvement
- General Member, Club Notredamians Bangladesh Ltd. (CNDBL)
- Member, East West University Business Club Alumni Association
- Volunteer, Pashe Achi Initiative
Training
- Banking Laws & Regulations, Loan Documentation and its impact on loan recovery, Banking Laws & Regulations, Loan Documentation and its impact on loan recovery, Financial Excellence (Fin Exel), Bangladesh, Dhaka, Dhaka, 2021, 02 Weeks
- Securities and Loan Documentation with Legal Aspects, Legal Documentation, Financial Excellence (Fin Exel), Bangladesh, Dhaka, Dhaka, 2016, 02 Days
- Effective Business Communication and Interpersonal Skills, Business Communication, Financial Excellence (Fin Exel), Bangladesh, Dhaka, Dhaka, 2015, 02 Weeks
Certification
Commercial Credit (CICC) Moody's Analytics certified
References
Upon requirement
Timeline
SPO & Manager
Eastern Bank PLC.
10.2017 - Current
Senior Officer
LankaBangla Finance PLC.
08.2014 - 10.2017
Officer (OG-II)
BRAC Bank PLC
12.2011 - 07.2014
Operations Assistant
Standard Chartered Bank
09.2010 - 12.2011
Bachelor of Business Administration (BBA) - Marketing
East West University
HSC - Business Studies
Notre Dame College
SSC - Science
Khilgaon Government High School