Reading, Sports, Gym, Walking, Travelling
Muhammed Hasan
Credit Analyst
Dhaka
Summary
Self motivated and ambitious credit analyst with experience of relationship management seeking a new role in the same industry. Fully dedicated to providing business customers with memorable and prompt service having experience of team leadership and managing others. Strength: Working under pressure Leadership skill with Team involvement Analytical Ability & capacity of planning & setting strategies Flexible in any challenging environment Loyal & Responsive Hard Working Quick Learner
Overview
20
20
years of professional experience
9
9
years of post-secondary education
4
4
Certifications
Work History
Officer
ONE Bank Ltd., Uttara Branch
Dhaka
2004.04 - 2006.09
- Maintaining LC opening register
- Booking LC opening voucher
- Realization of LC margin
- Lodgement of import documents for retirement purpose
- Realization of import payment from respective customer account
- Issuance of Back to back LC, acceptance
- Making payment of acceptance at maturity
- Reporting of payment against LCAF
Officer, Foreign Exchange Department
ONE Bank Ltd., Principal Branch
Dhaka
2009.12 - 2010.04
- Maintaining LC opening register
- Booking LC opening voucher
- Realization of LC margin
- Lodgement of import documents for retirement purpose
- Realization of import payment from respective customer account
- Issuance of Back to back LC, acceptance
- Making payment of acceptance at maturity
- Reporting of payment against LCAF
Senior Officer
NCC Bank Ltd., Credit Risk Management Division
Dhaka
2010.04 - 2014.10
- Processing the client credit proposals of the corporate clients sent from branches
- Doing credit analysis of the credit proposals of the of the corporate clients sent from corporate branches as credit analyst at an initial stage
- Prepare the office note after scrutinizing the credit proposals , place the same with a recommendation to Head Office Credit Committee (HOCC) for decision .
- Communicating the credit committee decision to concerned in respect decline, approval and further information asked by HOCC.
Principal Officer
NCC Bank Ltd., Credit Risk Management Division
Dhaka
2014.11 - 2017.10
- Processing the client credit proposals of the corporate, SME clients sent from branches
- Doing credit analysis of the credit proposals of the of the corporate clients sent from corporate branches as credit analyst at an initial stage
- Prepare the office note after scrutinizing the credit proposals , place the same with a recommendation to Head Office Credit Committee (HOCC) for decision .
- Communicating the credit committee decision to concerned in respect decline, approval and further information asked by HOCC.
- Reporting to the Deputy Managing Director (Head Of CRM) and Managing Director fo the company
- Preparing board Memo for approval of HOCC recommended proposals of corporate clients.
- Preparing the Board decision of approval/decline letter to concerned branch
- Monitoring of approved loans in post disbursement stage from time to time.
- Reporting the apex body of the bank for compliance, risk monitoring issues
Senior Principal Officer
NCC Bank Ltd., Credit Risk Management Division
Dhaka
2017.11 - 2021.06
- Processing the client credit proposals of the corporate, SME clients sent from branches
- Doing credit analysis of the credit proposals of the of the corporate clients sent from corporate branches as credit analyst at an initial stage
- Prepare the office note after scrutinizing the credit proposals , place the same with a recommendation to Head Office Credit Committee (HOCC) for decision .
- Communicating the credit committee decision to concerned in respect decline, approval and further information asked by HOCC.
- Reporting to the Deputy Managing Director (Head Of CRM) and Managing Director fo the company
- Preparing board Memo for approval of HOCC recommended proposals of corporate clients.
- Preparing the Board decision of approval/decline letter to concerned branch
- Monitoring of approved loans in post disbursement stage from time to time.
- Reporting the apex body of the bank for compliance, risk monitoring issues
First Assistant Vice Presdient
NCC Bank Ltd., Dhanmondi Branch
Dhaka
2021.07 - Current
- Maintaining Contact point of all corporate, CMSME customers of the bank
- Visiting corporate client’s business on a regular basis.
- Preparing new credit proposals of corporate client taking into the credit assessment requirements.
- Recommendation for Head Office approval and on approval communicating sanction advice to the client.
- Submission of fresh, renewal and enhancement proposals of corporate clients timely and accurately before expiry.
- Acting as primary bank contact for the client.
- Obtaining CIB report from Bangladesh Bank as per Head Office guideline.
- Completion of ICRRS for all corporate clients’ before investment decision and final preparation of proposals.
- Follow up with customer to ensure the timely receipt of financial statements, credit rating, limit insurance, loan re-payments and documentary requirements.
- Procurement of business for the branch business progress and expansion as per target set by the branch.
- Execution of all charge documents, legal documents, stamping of charge documents and other documentation works related to pre disbursement and post disbursement stage.
- Storage and maintenance for safe keeping of security documents of all corporate clients.
- Execution of charge creation formalities like mortgage, re-mortgage and redemption formalities.
- Reporting of monthly ISS (Suit & recovery), Half Yearly report, Annual report, monthly Suit statement, deferral, quarterly reporting of BASEL, Collateral statement, 5.22, SME and all other reporting related to recovery and compliance issues to concerned unit in Head Office on a frequent regular basis throughout the year
- Filing of CR case, Artha suits and Execution Suits in court as per banking norms & guidelines for suits.
- Pursuing default customers for recovery, security visit, recovery team follow up, settlement plan etc.
- Reporting to Special Asset Management unit on regular interim regarding default account recovery and suit updates.
Education
MBA - International Business
Hull University
United Kingdom 2006.08 - 2008.06
BBA - Marketing
North South University
1999.09 - 2003.12
HSC - Commerce
Cantonment Public School & College
1996.09 - 1998.06
SSC - Science
Collegiate School
Chittagong 1995.01 - 1996.06
Risk Management in Banking BIBM - undefined
NCC Bank Ltd. Training Institute
Leadership Development Programme - undefined
NCC Bank Ltd. Training Institute
Credit Risk Management - undefined
NCC Bank Ltd. Training Institute
Internal Credit Risk Rating Systems (ICRRS) - undefined
NCC Bank Ltd
Skills
Experience in credit risk analysis from working at CRM and branch levelundefined
Affiliations
Contact
Accomplishments
CASA Campaign
- 2021 (1st quarter) BDT 1.54 crore( 154% of target
- 2022 (2nd Quarter) BDT 56.52 crore( 807.42 % of target)
- 2022 (3RD Quarter) BDT 22.84 Crore ( 235% of target)
Certification
Managerial Accounting Fundamentals , University of Virginia, Darden School of Business , provided by Coursera
Interests
Timeline
Managerial Accounting Fundamentals , University of Virginia, Darden School of Business , provided by Coursera
2023-10
Problem Solving with Excel, PWC, Provided by Coursera
2023-10
Financial Satement Analysis in Excel, Udemy, USA
2023-10
Financial Planning & Analysis: Building a compnay's budget, Udemy, USA
2023-09
First Assistant Vice Presdient
NCC Bank Ltd., Dhanmondi Branch
2021.07 - Current
Senior Principal Officer
NCC Bank Ltd., Credit Risk Management Division
2017.11 - 2021.06
Principal Officer
NCC Bank Ltd., Credit Risk Management Division
2014.11 - 2017.10
Senior Officer
NCC Bank Ltd., Credit Risk Management Division
2010.04 - 2014.10
Officer, Foreign Exchange Department
ONE Bank Ltd., Principal Branch
2009.12 - 2010.04
MBA - International Business
Hull University
2006.08 - 2008.06
Officer
ONE Bank Ltd., Uttara Branch
2004.04 - 2006.09
BBA - Marketing
North South University
1999.09 - 2003.12
HSC - Commerce
Cantonment Public School & College
1996.09 - 1998.06
SSC - Science
Collegiate School
1995.01 - 1996.06
Risk Management in Banking BIBM - undefined
NCC Bank Ltd. Training Institute
Leadership Development Programme - undefined
NCC Bank Ltd. Training Institute
Credit Risk Management - undefined
NCC Bank Ltd. Training Institute
Internal Credit Risk Rating Systems (ICRRS) - undefined
NCC Bank Ltd
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