Md Towhidul Islam, Mba Email & Phone Number

Saskatoon, Saskatchewan, Canada

• Conduct Digital Marketing activities through various social media (Facebook, Instagram)• Maintain & update all menu items on various websites (kitchen’s own and partners’ websites such as Skip The Dishes, Uber Eats, Door Dash).• Payroll Management of employees in Intuit Quickbooks.• Address product or service-related issues by understanding the customer's complaint, identifying the root cause of the problem, suggesting and explaining the optimal solution, expediting the necessary correction or adjustment, and following up to ensure resolution. • Analyze customers' shopping behavior and recommend management regarding the introduction of new product lines.• Review & maintain supplies in the kitchen to ensure smooth operation.• Train and supervise team members in customer handling, problem-solving, food preparation, and other related tasks.

Moghbazar Branch, Dhaka, Bangladesh

• Prepared sector-specific loan reports and oversaw the branch's active loan portfolio to identify opportunities for diversification and advise branch management on mitigating concentration risk, thus reducing overall portfolio risk.• Produced Loan Classification Reports periodically to analyze the branch's classified loan trends, enabling management to implement corrective actions against non-performing loans and enhance monitoring of performing loans to prevent potential classification issues.• Rescheduling, restructuring, and reforming of required loans as per policies and guidelines of the central bank to reduce the classified loan portfolio and to enhance the profitability of the bank.• Served as a relationship manager overseeing a loan portfolio valued at BDT 2500 million for a corporate client, managing more than 100 accounts across 3 business concerns.• Prepared Scheduled Bank Statistics (SBS) report to ensure compliance with the regulations of the statistical division of the central bank and to analyze patterns and trends of various deposit accounts (liability products) at the branch.• Conducted stress testing on the branch's balance sheet to assess performance across different business scenarios.• Compiled the Integrated Supervision System (ISS) report for regulatory authorities, furnishing crucial information on over 250 aspects of branch operations. Additionally, automated the monthly ISS reporting process, reducing report preparation time by 90%.• Analyzed lending and borrowing rates to ascertain the financing spread and propose corrective actions to utilize the spread effectively in achieving profit targets.

Aganagar Branch, Dhaka, Bangladesh

• Employed loan and deposit account data to analyze business trends, assess the variance from targets, and suggest potential actions to achieve business goals.• Served as credit in charge of the branch and led a team of 4 members in the credit section to maintain the full credit portfolio of the branch comprising nearly 120 different customers amounting to nearly BDT350 million.• Evaluated credit proposals using a combination of quantitative methods such as financial statement analysis, modeling, ratio analysis, and other tools, along with qualitative analysis including interviews and site visits, to assess the borrower's creditworthiness.• Developed a loan proposal processing overview dashboard that doubled the loan proposal processing efficiency while cutting wait times by half.• Compliance of audit observations and regularly report the status of compliance to the Internal Control and Compliance (ICCD) division at head office.• Compiled an Environmental Report on financing, pinpointing red zones in financing sectors that require minimization and green zones representing environmentally sustainable business practices that should be promoted.• Ad-hoc project: Prepared data of the branch for Data Migration from PC Bank to T24 Core Banking Software.

Dhaka, Bangladesh

Duties and Responsibilities:• Worked in IT division to configure the laptops of employees with necessary software according to the need of posted division.• Configure network and security protocols in the laptops of employees.• Troubleshooting related to the configuration of the network and network protocols.

Dhaka, Bangladesh

Worked in a project "Dun & Bradstreet Bangladesh's Top 500 Companies - 2009" that profiled top 500 business concerns of the country.

Postgraduate Degree, Artificial Intelligence And Data Analytics

Master Of Business Administration - Mba, Marketing & Finance

Bachelor Of Business Administration - Bba, Management Information Systems(Mis), 3.76 In A Scale Of 4.00

Activities and Societies: • Member of Voice of Business (http://www.thevob.org/ Business Club of Faculty of Business Studies, University.

Higher Secondary Certificate (Hsc), Business Studies

Secondary School Certificate (Ssc), Business Studies