Reviewing process and reorganize existing manpower to ensure high productivity and reduce customer complaints and minimize cost.Reviewing of SME loan documents and ensure compliance prior to drawdownIdentify process gaps.Analyze loan related data to have efficient MIS in place.To ensure that all risks related to Loan Admin are identified and also documented. To ensure that system disorders are detected by extensive Data Mining Tools. Ensure that department gets satisfactory Audit rating. Ensure compliance and exercise local banking regulations.In addition to the existing job allocated, Other job coversProblem solving of Transaction unit.Supervise MIS unit.Look after in-house Compliance of Credit Administration DivisionActive involvement in Core Banking Migration project. Working as a decision maker of core banking team. (Finacle 10x)

- Reviewing process and reorganize existing manpower to ensure high productivity and reduce customer complains.- Identify process gaps.- Analyze loan related data to have efficient MIS in place.- To ensure that all risks related to Loan Admin are identified and also documented. To ensure that system disorders are detected by extensive Data Mining Tools. Ensure that department gets satisfactory Audit rating. Ensure compliance and exercise local banking regulations. In addition to the existing job allocated, I also work as a unit Head of Sanction Advise Unit of CAD in absence/during work pressure of the existing Unit Head. The job covers:o Supervise preparation of sanction advice as per Board/CRM approval.o Solve any complex issue in approval prior to issuance of sanction advice.o Counter sign the sanction advice jointly with another executive of CAD.

 To build and run an efficient centralized Loan Administration and enabling the business to focus as sound growth of Assets portfolio. To control & manage operational risks on transaction processing. Ensure proper disbursement, closing, renewal, adjustment of all consumer and loans Reviewing Product Development Document and raise with business of any deviation thereto. To ensure that all risks related to Loan Admin are identified and also documented. To ensure that system disorders are detected by extensive Data Mining Tools. Ensure that department gets satisfactory Audit rating. Ensure compliance with the Laws of the land, implement and exercise local banking regulations. To ensure that there is proactive follow-up on open issues on risks identified. Effectively manage operations risk and risk management processes. Maintain zero tolerance of any attempt of fraudulence activities.  Working as a core member improving service quality and team Building activities to excelling the motivational level among team member establishing "A wining culture” in the division. He had Also contributing in Developing a robust process for both internal/external customer, and drive this process by establishing service level agreements through which minimizing complain almost at zero level from parties.Other Activities covers :- UAT: - Actively involved in core banking migration project. Worked in UAT till Go-live. Testing of Trade Finance product about 20 approx. & 36 loans of different product.Migration: - Actively involved in data migration of Finacle in post migration.Limit node setup : Setup approximately 170 limit node for Corporate & CommerZ client to ensure proper utilization of customer limits & to contain any excess in the clients overall limit & to have an overview of a client’s overall limits.

-Reviewing of Corporate loan documents for its completeness prior to drawdown.-Decision making of all loan related transactions in absence of the department head.-Post disbursement checking of all corporate loans for gap analysis.-Acting Head of Operations of Regional Processing Centre-Actively involved in Core Banking System migration (Finacle, owner Infosys, India) program.-Actively involved in UAT (User Acceptance Testing) for asset product of the bank. -Involved in front end data capturing from the legacy system while migration & GAP analysis of loans i.e. interest calculation, loan outstanding etc.-Certified EUT (End user) Trainer of Finacle for the bank. -Working with post migration project team as a Business Analyst of FinacleUAT: Actively involved in core banking migration project. Worked in UAT till Go-live. Testing of Trade Finance product about 20 approx. & 36 loans of different product.Migration: -Actively involved in data migration of Finacle in post migration.Data Verification: Verification of all term loans, Overdraft, Lien & FDR from MBS to Finacle & gap analysis. Training: -Provided TOT training to at least 65 Asset Operations staff regarding Finacle process & solved problem related to loans.Helpdesk:-Worked as business analyst for Finacle during Go Live. Handled all query related to Finacle to ensure zero customer complain.Data Analysis: Analyzed approximately 12,500 SME loans in post migration phase & rectified problem in these loansLoan Rephase :In some 7,800 out of 12,500 loans had an overflow for which proper demand was not generated in time. By rephasing these loans are serviced properly and realizing installment in time. As a result zero customer complains is ensured.Limit node setup : Setup approximately 170 limit node for Corporate & CommerZ client to ensure proper utilization of customer limits & to contain any excess in the clients overall limit & to have an overview of a client’s overall limits.

Initial scrutiny of loan documents for its completeness prior to disbursement/Closing Ensuring the lending to a client is as per the approved terms and conditions within the purview of banks credit and operations policy.  Checking of cross collateralization of security documents & withdrawal of lien mark prior to sending them to respective branches once a loan has been settled for onwards delivery of the same to the respective clients. Communicate with the Branch Sales & Service Manager (BSSM) /Relationship Manager (s) on complex situations in loan related matters generally funds shortfall or encashment of premature securities Monitoring of expiry and limit of credit facility provided to clients  Preparation of quarterly Classification of Loan (CL) report for Bangladesh Bank. Providing security details to branch as and when required.  Prepare loan exhibits for the management staff to determine the volume of transaction handled during the month. Review transaction every fortnight to determine whether any errors has occurred or not and report such error to the department manager.

Initial scrutiny of loan documents for its completeness prior to disbursement. Ensuring that the lending to client are as per the approved terms and conditions within the purview of banks credit and operations policy.  Calculate interest on loans. Communication with Financial Analysts /Relationship Manager (s) on loan related matters. Prepare different loan documents. Monitoring of expiry and limit of credit facility provided to clients  Monitoring of Central Bank large loan approval limit and expiry.  Calculation of Drawing Power  Monitoring & scrutinizing of Stock Statement & Collateral Inspection Report.  Monitoring of Insurance policies and limit monitoring of Insurance Companies Preparation of transaction memorandum (T/M) Preparation of quarterly Classification of Loan (CL) report for Central Bank. Prepare loan exhibits for Central Bank and Internal Reporting.