Mahfuzul Haque Email and Phone Number

Entire Business Operations, Marketing & Business Development, Corporate Affairs, Relationship Management, Financial & Business Analysis, Islamic Micro Finance, Export-Import, Trade Operations, Investment Banking, Project & Portfolio Management, Multitasking.

Area of Expertise Corporate Banking & SME, Credit Risk Analysis, Financial Analysis, Working Capital Requirement Analysis, Retail Banking , Business Budget, Financial remodeling, Business Performance Analysis, Periodic Analysis, Islamic Banking Business, Audit Compliance, DCFCL, etc. as Unit Head of Corporate & SMEPrime Duties/Responsibilities:From Jan., 2018 as Unit Head, Corporate & SME Banking:*Review the investment proposals of the Unit prepared by the support team members.*Present the business proposal to the Management at Investment Committee Meeting*Guide & instruct to the support team members for facility structuring and setting terms and conditions by evaluating the condition of the Branch proposals to protect Bank`s interest*Place the Investment (Credit) memo to the Management for approval/decline with justifications *Review the Investment (Credit) memo for the Board of Directors*Branch Relationship Management & Guidance to the Business people as per policy*Project & security visit of the clients as per instruction of the Management*Branch Correspondence & Investment (Credit) Monitoring*Quard others (Bid-Bond) Products development to maintain healthy deposit balance of the remote branches*Covenants-Conditions management as well as credit monitoring*Introduced docudex proposal settlement service with the help of IT for paper less Banking*Manage & Supervise the support staffs*Multitasking

Oct., 2013 to Dec., 2017 as Head of Retail Investment Department (Head of Retail):*Shariah based Retail & Payroll Banking Model/Structure development as well as establishment and Worked as Head of Retail Investment Department of the Bank. Total Retail Investment (Credit) Portfolio was Tk. 750.00 Crore (Up to Dec. 2017). Also opened 50,000 new accounts under Payroll Banking where 35 No.s of diversified corporate clients are signed MoU with the Bank.*Lead the entire Retail Banking Team of the Bank (Both Sales & Branch Retail Team)*Developed Retail Products-Policies (PPGs), Operational process flow & Approval Templates for the Bank*Review the business proposals and recommends the same to Top Management for decision (approval/decline)*Manage & Supervise the support staffs (i.e. Relationship Team, Credit-Collection Team & MIS-Monitoring Team) *Financial & Business plan setting as well as implementation the same to achieve the Business target *Introduced Cross selling initiatives to Branch level to boost-up Retail business portfolio of the Bank (both asset & liability products) *Accounts management & Payroll settlement to commission based staffs*Several types of MIS database, Business & Portfolio Report development and maintenance *Monitoring & follow-up of overdue portfolio through specific database management*Corporate Client Relationship Management & Regulatory Relationship Management *Peer Group & Industry trend analysis for Products-Policies *Training to the target group*Team management & monitoring the same to achieve the set business targets *Applied weekly live video conferencing system to accelerate the Branch Retail Business Team's performance & guided them to achieve their set business target.*As Head of Retail, visited various Branches across the Country & completed various business deals with several target clients' to increase the Retail business portfolio of the Bank.* Regulatory Relationship Management* Multitasking.

* New Product & Policy Development* Credit Risk Assessment* Credit Proposal Processing* Business Process Flow Development* Business Process Re-engineering * Various Credit Credit Assessment Modules Development* Monitoring & Follow-up of Credit Portfolio* Recovery & Special Asset Management * Audit Compliance* Development & Maintenance of Several Types of MIS Database* Supervise the Credit Analyst Team* Forecast the market situation and advice the organization on making necessary changes to the present credit policies and procedures* Multitasking

* Credit Risk Assessment (SME Credit Risk)* Credit Proposal Processing (SME & Agri)* Financial & Business Analysis* Credit Scoring & CRG tehniques* Women Entrepreneur Financing* Monitoring & Follow-up of Credit Portfolio* New Product Development (SME & Agri)* Development & Maintenance of Several Types of MIS Database* Forecast the market situation and advice the organization on making necessary changes to the present credit policies and procedures* Past Due/Overdue/SMA Management* Strongly maintained quick Turn Around Time (TAT) to satisfy the stakeholders i.e. Business, CAD, etc. * Multitasking* Attained Overseas (IBBM-Malaysia) Professional Training on SME Financing

* Credit Risk Assessment (Retail Credit)* Credit Proposal Processing (Retail Credit)* Credit Scoring & Matrix* Monitoring & Follow-up of Credit Portfolio* New Product Development* Development & Maintenance of Several Types of MIS Database* Forecast the market situation and advice the organization on making necessary changes to the present credit policies and procedures* Multitasking