Arifur Rahman Email and Phone Number

Work Experience:•Proactively manage the inherent risks of business and optimize earnings by managing the underwriting •Ensure that the total applicant assessment in line with respective policies, procedures, DLA, market standard & with good team effort.•Manage the portfolio growth & asset quality•Maintain a balance between the risk and business requirements while assessing the lending applications•Assist management to forecast profitability of products, portfolio analysis, detect delinquency trend, identify concentration risk to assess impact of planned credit, marketing and operational decisions.•Provide risk mitigation solutions / alternatives when necessary in line with the policies, guidelines and overall risk appetite of the business.

Work Experience:- Implement and ensure compliance of existing policy & process.- Coordinate review of PPGs, SOP and relevant policies- Internal & External audit compliance- Identification Fraudulent activities- Industries best practices to be implemented.- Quality ensures of disbursed and declined credit files.- Analyst & Company categorization.- Coordinate other division activities- Monitor CPV and file input related issues

Work Experience:- Ensures compliance with established internal control procedures by examining records, reports, operating practices, and documentation.- Completes audit work papers by documenting audit tests and findings.- Maintains internal control systems by updating audit programs and questionnaires; recommending new policies and procedures- Communicates audit findings by preparing a final report; discussing findings with proper authority- Prepares special audit and control reports by collecting, analyzing, and summarizing operating information and trends.- Contributes to team effort by accomplishing related results as needed.-Carry out of assigned responsibilities by Supervisor and top managementAudited Area: 1. Personal Loan 2. Auto Loan 3.Secured Loan4. Home Loan 5. Operation & Process of Retail Loan 6. Surprise Visit of Branch

Achievement:- Get “Good Grade” in internal Audit rating; - Achieved 100 % of Business Target in last year 2015Work Experience:- Supervise All Banking operation and Customer Service issue- Perform internal audits to ensure efficiency Banking Operation- Ensured compliance with all applicable banking regulators - Develop relationship within local business community- Prepare weekly and quarterly operations report-Monitor Team member works and prepare staff schedules- Authorized and monitor both cash and non-cash related transaction- Performed Cash and Vault related issues-Ensure and follow-up of proper loan documentation -Ensure Proper control and compliance in the Branch as per Bank’s Operation policy

Sales Achievement:-Achieved 80% of business target (Including Personal Loan, Auto Loan and House building loan) during the period of June 2013 to December 2013-Achieved 85% of business target (Assets, Liabilities and Credit card products) during the period of Jan 2014 to December 2014-100 % achievement of overdue Retail loan recovery in the year 2014-Successfully arrange various product Promotional campaignsWork Experience in Retail Banking-Analysis of the lending applications base on Bank policy and guideline-Ensures all approval related procedures are completed prior to handling file to Credit Operations for processing and draw down.-Monitor and manage risk in the business with agreed parameters-Ensure highest standards of corporate governance and of regulatory-Maintain and monitor overall Retail Loan portfolio of the branch-Ensure Effective and satisfactory customer service both new and existing customer-Gather information from competitor and update product Program guideline-Ensure to follow Bangladesh bank policy regarding retail loan portfolio -Arrange Various Product Campaign in various corporate house-Monitor and Evaluate after Campaign performance-Prepare potential customer reference list and provide sales team-Follow up and minimize audit findings -Risk minimize in operational area-Prepare all kind of Retail Loan proposal ( Personal loan , auto Loan, Home Loan and other Secured Loan)-Ensure proper Documentation and organize check list-Communicate and visit Clients when it is requireWork Experience as Team Leader-Monitor sales team of the branch regarding Retail Business -keep an eye on day to day collection team-Encourage the entire team member to get the best effort from them. -Arrange various training and recreation for team members.

Sales Achievement- Achieve 100% of Deposit campaign in the year of 2010- Achieve 100%of half yearly Business Target in the year of 2011(Assets and liability products) -Obtain Excellence Service Quality Certificate for providing Customer Service Work Experience Consumer Business –Cross selling of different banking products and services–Exploration of new Retail business ( personal loan , Auto Loan, Home Loan and secured Loan)–Marketing for retail loan and credit cars–Prepare call report and meet monthly as well yearly target –Book quality assets and low cost deposit –Prepare all kind retail credit proposal-Meet and quick responses Head office query regarding credit proposal issue Work Experience in Service Oriented issues -To ensure high quality service as per GAP policy-Ensure one Stop service-Handle customer feedback and complain-All kind of accounts and FDR opening as well as closing-Work in General Banking-Monitor GL related issues-Monitor Stop cheque, hold funds and no debit instruction-Delivery check book ,debit card , credit card and PIN related issues-Monitoring locker related issues