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
04.2004 - 09.2006
- 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
12.2009 - 04.2010
- 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
04.2010 - 10.2014
- 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
11.2014 - 10.2017
- 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
11.2017 - 06.2021
- 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
07.2021 - 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 08.2006 - 06.2008
BBA - Marketing
North South University
09.1999 - 12.2003
HSC - Commerce
Cantonment Public School & College
09.1996 - 06.1998
SSC - Science
Collegiate School
Chittagong 01.1995 - 06.1996
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
10-2023
Problem Solving with Excel, PWC, Provided by Coursera
10-2023
Financial Satement Analysis in Excel, Udemy, USA
10-2023
Financial Planning & Analysis: Building a compnay's budget, Udemy, USA
09-2023
First Assistant Vice Presdient
NCC Bank Ltd., Dhanmondi Branch
07.2021 - Current
Senior Principal Officer
NCC Bank Ltd., Credit Risk Management Division
11.2017 - 06.2021
Principal Officer
NCC Bank Ltd., Credit Risk Management Division
11.2014 - 10.2017
Senior Officer
NCC Bank Ltd., Credit Risk Management Division
04.2010 - 10.2014
Officer, Foreign Exchange Department
ONE Bank Ltd., Principal Branch
12.2009 - 04.2010
MBA - International Business
Hull University
08.2006 - 06.2008
Officer
ONE Bank Ltd., Uttara Branch
04.2004 - 09.2006
BBA - Marketing
North South University
09.1999 - 12.2003
HSC - Commerce
Cantonment Public School & College
09.1996 - 06.1998
SSC - Science
Collegiate School
01.1995 - 06.1996
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
Similar Profiles
A K M ASHRAFUR RAHMANA K M ASHRAFUR RAHMAN
IT Infrastructure Manager at Glenrich International School, Uttara, Dhaka.IT Infrastructure Manager at Glenrich International School, Uttara, Dhaka.
SHUBHAM BUDANIASHUBHAM BUDANIA
Assistant Engineer at Uttara Dream ProjectsAssistant Engineer at Uttara Dream Projects
Ayesha AkterAyesha Akter
Administrative Assistant at Uttara UniversityAdministrative Assistant at Uttara University