TANIZA MAZED
Dhaka
Summary
My 16 plus years of experience covers the areas of Credit Risk Management, Structured Finance, Corporate Finance, Credit Rating and Financial analysis. These skills along with my educational knowledge which are associated with finance, helped me to have expertise in managing and structuring financial services by developing sound process flows to achieve maximum efficiency. My professional curiosity and tendency to run in the ground have led to positions of increasing responsibility throughout my career. Sincerity is my power; never ever left any job un-attended. Believe that one need to be content with small steps and success is the sum of all small efforts. Also believe that team bonding and a good work environment can speed up any job while ensuring effectiveness for which I foster a positive work atmosphere and greatly value the relationships I've cultivated. My past experience to work with a Foreign owned FI always make me believe that I can do far better where compliance is the prime issue. If I get the chance to work in any multinational bank, international agencies, FIs, NGOs, Development Banks, I would love to take that opportunity.
Major Achievements: Successfully Developed rating structure for counterparty limits of 55 Banks and 30 NBFIs. Successfully developed Insurance Companies rating structure; Actively involved in credit related policy development work including Credit Policy of Bank.; Actively Involved in closing several Structured Finance deals including the ones with World Bank IFC financing; As part of initial core Management team of a joint venture FI, successfully came into commercial operation after taking necessary approvals from regulators. Was member of many Management teams including HR, Treasury, Credit, Business Development etc.
Overview
20
20
years of professional experience
Work History
First Assistant Vice President
United Commercial Bank Limited
12.2019 - Current
- Overseeing 10 plus branches with around BDT 70 billion Portfolio including Financial Institutions, Structured Finance, Large Corporate Groups
- Ensure prudential scrutiny of credit proposals, adequacy of information, proper credit analysis, credit risks analysis and taking mitigating techniques in credit proposals
- Analyzing customer data such as financial statements to determine level of risk involved for extending credit review and approve or denied credit applications to keep organization profitable by making informed lending decisions
- Ensure compliance of internal & external regulations and related laws of the country i.e Bank Credit Policy, Circulars, Instructions, Policy guidelines of Central Bank, prudent credit norms etc
- Addressing proper credit observations while processing credit approval and provide covenants as required for risk mitigation -Preparation of Credit memo, Summary related to EC/Board of the assigned portfolio customers -Review & follow up of the credit portfolio on regular interval -Visit/Inspection to the client's business operation etc
- Developed Banks counterparty risk policy by developing rating criteria with scale and rated 50+ Banks and 20+FIs for counterparty limits and regularly update the limits
- Actively involved on the Banks Policy development work, worked with Bank's Credit Policy and other policies (Ex: WOF & similar) related to Bank's product risk or other risks
- Participated in loan committee meetings to provide input on lending decisions
- Grading of insurance companies for enlistment based on their quantitative and qualitative analysis
- Trainer of Credit related topics in UCB Learning Development Center.
Credit in Charge
Lankan Alliance Finance Limited
02.2017 - 12.2019
- Member of Management Committee, Credit Committee, ALCO, Risk Forum, Procurement Committee, Investment Committee
- As Management Committee & Investment Committee Member, I used to drive business through Relationship Managers, participate in Negotiation Process, Security Package Designing, Pricing of Facilities, Sustainability Assessment, Financial Modeling, Repayment etc
- Guiding RMs to maintain effective customer relationships to identify business opportunities and avoid possible threats is my core responsibilities
- Monitor Credit Risks on an on-going basis to ensure compliance with approvals, financial covenants, rating standards and benchmarks
- On top of this, I was also managing following issues of the company-
- Actively involved in managing pre and post license related issues with Central Bank and other Regulatory bodies from the very beginning
- Developed Product guidelines and investment policies
- Implemented investment policy/ strategy
- Developed Human Resource Policy of the company along with streamlining recruitment process
- Decide on delegation of credit approving authority matrix, prudential limits on large credit exposures, standards for credit facilities against collateral, portfolio management, facility review mechanism, risk concentrations, risk monitoring and evaluation, provisioning, regulatory/legal compliance, etc.
Assistant Vice President, Structured Finance Department
Industrial and Infrastructure Development Finance
08.2011 - 02.2017
- As a member of Structured Finance Unit my core job was to negotiate and setting up the necessary terms with prospective clients for raising of the syndicated fund in BDT through Term Loan, Bonds and Preference Shares with hybrid financial and capital market mechanism
- Actively involved in Syndicated Term Financing deals, IM Preparation, Fund raising, closing of Syndication Deal ensuring the Condition Precedents (CP) of the deal, pre-disbursement activities and post disbursement functions after closing of deals etc
- Other than syndication arranging I used to handle own portfolio
- Credit proposal preparation, security package designing, financial covenants set, pricing, Coordination with legal team, Documentation, Disbursement, post disbursement monitoring of the business and repayment, factory visit etc were my day to day responsibilities
- I used to manage the financing partners (Banks, NBFIs, AMCs, MBs, Insurance Companies etc) - I also used to process Re-structuring and Re-scheduling proposals of syndication by arranging proper lenders and borrower meeting
- Post Board approval, further communication with customer, lenders and central bank were also my responsibilities.
Principal Officer and Unit
Bangladesh Industrial Finance Company Limited
07.2008 - 08.2011
- Appraising lease applications, processing approvals followed by preparing credit memo, sanction Advice, necessary security documentations and compliance with approval conditions was my major responsibilities
- I used to prepare documentation check list and follow-up with relationship team to coordinate the process
- Necessary Registered Mortgage completion and Creation of charges with RJSC were also part of my job
- I used to prepare monthly exceptions reports of the unit for management - I also used to prepare quarterly Classification Statement (CL), Quarterly Statement of Business Activities, Quarterly Statement of Industrial Credit, Statement for Re-schedule and Write-off, quarterly Statement of Sector wise lease loan for Bangladesh Bank etc
- To conduct the above responsibilities, I used to do the following jobs on regular basis - Communication with clients, Lease application collection, collecting pertinent information from different concerned individuals & agencies from market as & when required, Factory visit etc - Communication with Legal Advisor & Surveyor Company regarding creation of Registered Mortgage etc.
Financial Analyst
Credit Rating, Bangladesh
12.2006 - 06.2008
- Analyzing Financial Statements of a large number of Commercial Banks, NBFIs, General Insurance companies, and a number of manufacturing companies for preparation of credit rating report based on the quantitative and qualitative analysis of those companies
- On the basis of analysis determining the expected Credit Rating of that particular company and presenting the report to Independent Credit Rating Committee.
- Conducting meeting with the clients and top management of the companies who's rating are in process, to understand and assess proper objective, mission , vision of the company
Interne Officer
American Express Bank
03.2004 - 07.2004
- Updating KYC of the clients
- Interacted with customers by phone, email, or in-person to provide information.
- Maintained accurate records and documentation of projects to inform stakeholders of progress and updates.
Education
Junior Associate of The Institute of Bankers, Bangladesh (JAIBB) - Banking Deploma
The Institute of Bankers, Bangladesh (IBB)
Dhaka 2023 - Current
Certified Expert in Risk Management (CERM) : Risk Management -
Frankfurt School of Finance And Management,
Frankfurt, Germany2017
“Certified Course on Crafting Innovative Business Strategy” Six-week Certificate course organized and conducted -
Institute of Business Administration (IBA)
2015
MBA - Finance
University of Dhaka
Dhaka Bangladesh2006
BBA - Finance and Banking
University of Dhaka
Dhaka Bangladesh2004
High School Diploma -
Viqarunnisa Noon School And College
Dhaka1998
Secondary School Certificate (SSC) - Science
Shaheed Anwar School And Collage
1996
Skills
- Financial statement analysis
- Developing Financial model
- Credit Risk Management
- Structured Finance
- Corporate Banking
- Team Management
- Credit rating/scoring
- Policy development
- Communication skills
Accomplishments
2023: Passed Banking Diploma (JAIBB)
Participated in Advance Project Management course by arranged by Bangladesh Institute of Governance and Management (BIGM)
Participated in training on “DRIVE: Leadership Development Program” facilitator Mr. Suren Saini by organized by UCB Learning and Development Center.
Participated in training on “Train The Trainer” facilitator Inderjit Kaur by organized by UCB Learning and Development Center
2022: Participated in training on “Foreign Trade and Foreign Exchange Regulation” organized by UCB Learning and Development Center.
2018: Participated in training on “SME Financing”
Organized by Bangladesh Lease Finance Companies Association (BLFCA).
2016: “Financial Modeling”
To develop skills and gather knowledge on PPP infrastructure financing organized by Investment Promotion & Financing Facility (IPFF) Project of Bangladesh Bank Conducted by Thailand based organization Connect ED Learning and Development Limited.
2015: “Certified Course on Crafting Innovative Business Strategy”
Six-week Certificate course organized and conducted by Institute of Business Administration (IBA),
Dhaka University
2013: Training on “Project Finance & Appraisal”
Organized by Pearl Institute of Financial Market Limited
2011: Training Received on “Environmental Risk Management”Organized by International Finance Corporation (IFC)
2010: Training Received on “Credit Risk Management”
Organized by SouthAsia Enterprise Development Facility (SEDF) & Bangladesh Lease Finance Companies Association (BLFCA)
2009: Training on “Foundation Courses for Entry Level Officers”Organized by Bangladesh Lease Finance Companies Association (BLFCA)organized by Bangladesh Lease Finance Companies Association (BLFCA)
Timeline
Junior Associate of The Institute of Bankers, Bangladesh (JAIBB) - Banking Deploma
The Institute of Bankers, Bangladesh (IBB)
2023 - Current
First Assistant Vice President
United Commercial Bank Limited
12.2019 - Current
Credit in Charge
Lankan Alliance Finance Limited
02.2017 - 12.2019
Assistant Vice President, Structured Finance Department
Industrial and Infrastructure Development Finance
08.2011 - 02.2017
Principal Officer and Unit
Bangladesh Industrial Finance Company Limited
07.2008 - 08.2011
Financial Analyst
Credit Rating, Bangladesh
12.2006 - 06.2008
Interne Officer
American Express Bank
03.2004 - 07.2004
Certified Expert in Risk Management (CERM) : Risk Management -
Frankfurt School of Finance And Management,
“Certified Course on Crafting Innovative Business Strategy” Six-week Certificate course organized and conducted -
Institute of Business Administration (IBA)
MBA - Finance
University of Dhaka
BBA - Finance and Banking
University of Dhaka
High School Diploma -
Viqarunnisa Noon School And College
Secondary School Certificate (SSC) - Science
Shaheed Anwar School And Collage
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