Senior Assistant Vice president & Manager
Standard Bank Limited
Total years of experience :21 years, 8 Months
Financial:
• Achieve set targets in terms of building products through the branch.
• Ensure daily reports are done accurately and on timely basis.
• Increase the customer base
Service Quality:
• Provide friendly and responsive customer service by using skills for excellent customer service
• Ensure superior service quality and out serve commitments.
• Pro-actively analyzing and formulating patterns of customer's changing needs of financial services and recommending/suggestion ways to tackle those.
• Interview and answer all sorts of customer queries regarding cash transaction.
• Coordinate with relevant departments (Credit Approval team, Asset Ops, Marketing, Corporate Affairs, Branch Management, etc.) for customer service.
• Handling customer complaints in a positive manner and converting complaints into service improvement opportunities and delivering solution or redirecting problems to right authority.
Operations:
• Supervise the maintenance of adequate local currency for the smooth branch operations
• Ensure voucher is being checked on regular basis and matched with FO/BO reports.
• Approve all the non-cash transactions and cash transaction as per transaction limit.
• Recommend the loan application from branch level and monitor cluster status after disbursement.
FINANCIAL ADMINISTRATION DIVISION:
- Prepare statement for Department of Off-site Supervision of Central Bank.
- Prepare Rationalized Input template statement for Directives of Banking Inspection of Central Bank Quarterly, Semi Annually and Yearly
- Prepare Statement to assist Credit Rating Agency of Bangladesh as per mandatory requirement of Security Exchange Commission and Regulatory Agency.
- Checking the voucher and daily accounts.
- Prepare Board Memo and Office Note regarding Financial Affairs.
- Prepare monthly statement on RIT for Integrated Supervision System of Central Bank.
- Provide information to the Management of the Bank as and when required.
Financial:
• Achieve set targets in terms of building products through the branch.
• Ensure daily reports are done accurately and on timely basis.
• Increase the customer base
Service Quality:
• Provide friendly and responsive customer service by using skills for excellent customer service
• Ensure superior service quality and out serve commitments.
• Pro-actively analyzing and formulating patterns of customer's changing needs of financial services and recommending/suggestion ways to tackle those.
• Interview and answer all sorts of customer queries regarding cash transaction.
• Coordinate with relevant departments (Credit Approval team, Asset Ops, Marketing, Corporate Affairs, Branch Management, etc.) for customer service.
• Handling customer complaints in a positive manner and converting complaints into service improvement opportunities and delivering solution or redirecting problems to right authority.
Operations:
• Supervise the maintenance of adequate local currency for the smooth branch operations
• Ensure voucher is being checked on regular basis and matched with FO/BO reports.
• Approve all the non-cash transactions and cash transaction as per transaction limit.
• Recommend the loan application from branch level and monitor cluster status after disbursement.
CREDIT RISK MANAGEMENT:
Main responsibility is :
-To facilitate approval authority in making credit decision for proactively managing portfolio under credit guidelines of Standard Bank in the light of Core Risk Management of Bangladesh Bank with the following assignments:
- Evaluating & apprising the credit proposals (viz., Composite Credit proposals, Industrial Credit & Lease financing, Directors’ Loan proposal, Cash Credit, SOD (work order);
- Prepare synopsis and presentations before the Management Committee (MC), to prepare memo for the Executive Committee (EC) and Board of Directors (BOD) on the credit line proposals and correspondence related to Syndicate financing, lease financing & Project Loan processing of different branches;
- Communicate Management decisions to the branches/parties in the form of sanction letter and other letter, submission of site visit report on various projects of different branches;
- Preparation and consolidation of Loan Classification and send the same to Bangladesh Bank.
Ensure the administration and efficient daily operation of the branch office, including operations, lending, product sales, customer service, and security and safety in accordance with the Bank's objectives. Develops new deposit and loan business; provides a superior level of customer relations and promotes the sales and service culture through cooperation and staff motivation; achieves individual and branch sales goals through new business sales, referrals and retention of account relationships.
FINANCIAL ADMINISTRATION DIVISION:
- Prepare half-yearly & yearly budget.
- Prepare financial statement for the year ended.
- Prepare the statement related accounts as
required by the Central Bank.
- Assist Central Bank’s Auditor & Statutory auditor to conduct their audit process.
- Checking the voucher and daily accounts.
- Checking statement of Daily Affairs sent by the branches.
- Prepare account related memo to place on the board.
- Monitor the CTR& STR for Anti Money Laundering.
- Report to the central bank about STR.
DESK OFFICER OF ASSET LIABILITY MANAGEMENT:
- Prepare ALCO Papers for the monthly ALCO meeting as member of ALM Desk.
- Analyze the major financial trends vertically & horizontally by calculating the financial ratios.
- MIS Reporting.
SME DESK IN-CHARGE
- Approvals of SME finance complying the SME Guidelines.
- Check the documentation process.
- Disburse the loan through branch.
- Monitor the recovery system.
- SME return submission to Bangladesh Bank.
- Make the yearly internal audit plan based on the risks associated with the branch.
- Complete the internal audit procedure throughout the branches as directed by the Managing Director under the direction supervision of team leader.
- Check the branch’s Anti- Money Laundering status based on the monthly CTR & STR submitted by them.
- To conduct special inspection for the fraud, forgery & Malpractices in the branch.
- Check the implementation process of IT instruction as provided by HO as well as Bangladesh Bank.
- Check the implementation process of Credit Guide lines, SME Guidelines, Foreign Trade Guidelines, Asset Liability Management Guidelines, ICC Guidelines & IT Guidelines.
- Prepare the audit report based on the irregularities, misrepresentation under the banking rules & practices to submit to the Board meeting.
- Mark up the observations & recommendations to be complied on five-core risks management.
- Sending notice to the branches for the compliance report
- Prepare DBI-1 & DBBI report for the Central Bank
- Prepare the compliance report of Central Bank with in the specified time period
- Marketed the Bank's products to new, existing & potential clients.
- Prepared credit proposals (new and annual reviews) for Head Office consideration.
- Visited clients’ business outlet.
- Attended bank meetings with senior management.
- Negotiated documentation pertaining to new transactions.
- Reviewed credit and legal documentation.
- Monitored post disbursement activities like transaction, adjustment, and repayment etc. as per terms of sanction advice.
- Called on existing clients to resolve problems and making them aware of additional available products and services.
- Expanded the client base with emphasis on portfolio growth and profitability.
- Provided advice, counsel and high level customer service to meet the financial needs of clients.
- Advised clients on deposit products, borrowing needs and utilization of a full range of products and services.
- Prepared credit related returns along with other periodical reports for Head Office and Central Bank.
- Followed up legal matter from Branch level.
- Opening the accounts of individuals, companies, & cooperative societies filling in the KYC, Anti Money Laundering & Transaction Profile form accordingly.
- Prepare the statement of Schedule Bank Statistics as required by the central bank.
- Prepare the clearing instruments including OBC, IBC
- Issuing Instruments for the clients pass it when presented by them.
- Provide daily accounts statement to the clients.
- Prepare General Ledger, Subsidiary Ledger.
- Prepare Daily Statement of Affairs.
- Maintaining contact with SME, HO BRAC Bank Ltd for disbursement of SME Advances.
- Conducting survey & filling SME loan proposal register based on potentiality.
- Prepare schedule to contact potential borrowers
- Maintaining different files and registers.
- Contact other financial institutions to obtain credit reports about the proposed borrower.
- Preparing repayment schedule.
- Filling up the Loan Register according to disbursement and repayments.
- Preparing monthly monitoring plan
- Cross checking receipt book and loan register
- Checking the loan repayment schedule and cross checking recovery.
- Preparing periodical reports.
- Identifying and preparing the list of high risk borrowers.
- Preparing list of default borrowers.
- Contact proposed borrowers for loans.
- Assist to fill-up Loan Application Forms.
- Request CIB reports.
- Preparing Loan Presentation (Proposal)
- Contact lawyer regarding legal aspects and for verifying legal documents presented by the borrowers.
- Confirm the valuation and ownership of the mortgaged property to SME HO and carry security documents of SME HO.
- Follow up with SME HO for loan disbursement.
- Monitoring borrower's business activities such as utilization of loans, sales, inventory etc. on a monthly basis.
- Contact all borrowers for timely loan recovery..
- Contact default borrowers to collect over dues.
- Monitoring risky borrowers carefully and take necessary measure for recovery as per SME HO instructions.
- Seeking Potential Clients.
- Evaluating Present Position of the Business.
- Identifying Business Location.
- Assessing future potentials of the business
Executive Masters of Business Administration
Passed with Merit
Advance Certificate in Business Administration (ACBA). Passed with distinction in 02(two) subjects.
Banking Diploma Part-II completed six subjects related to Banking.
Banking Diploma First Part passed in six subjects related to Banking.
Obtain 2nd class with 53% marks.
Obtain Second class.
Obtain Board scholarship from Commerce group in Dhaka Board. Bangladesh
Secured Letter Marks in Mathematics and Accounting
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