 Management of credit portfolio of Tk. 16500.00 million (approx.) of 30 nos. of customers of the branch. Grow the customer base through marketing and business development efforts including cross selling to existing customer base. Processing of Credit proposal & obtaining approval from HO. Serving the client as per their requirement within the banking policy & complying with the regulatory requirements.  Evaluate clients’ creditworthiness Create credit scoring models to predict risks Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments of existing clients on daily basis. Ensure the quality credit and customer review. Maintaining depth knowledge of the customer’s business through regular customer visits and industry research. Act as the member of the branch Credit Committee and exercise Branch Business Delegation prudently. Disbursement/maintenance of loans  Monitoring, Supervision and Follow up the loans and advance relating to Overdraft. Preparation of Head Office and Central Bank Reports (Monthly/Quarterly/half-yearly/yearly as per instructions)  Ensure compliance with internal policies and procedures and external regulatory requirements and it recommendation are implemented.  Any other credit related matters as and when required and instructed from time to time.

 Management of credit portfolio of Tk. 21500.00 million (approx.) of 05 nos. branches. Appraisal of Credit Proposal in accordance with the CRM Policy and other directives. Structuring, of credit facilities, pricing based on risks, designing covenants, terms & conditions to suit the business condition and to protect Banks interest. Preparation and presentation of credit proposal to obtain approval from competent authority. Feasibility study of Project Finance by preparing Projected Income Statement, Balance Sheet, Cash Flow Statement, Sensitivity and Scenario Analysis. Development of various credit appraisal tools and contribute in improvement of the credit approval process.  Review the performance of the customer on off-site basis and prescribed appropriate remedial measures, if required. Restructuring and rescheduling of credit facilities for smooth repayment and recovery.

  Provide good customer services through ensuring the Bank’s interest. Grow the customer base through marketing and business development efforts including cross selling to existing customer base. Ensure the quality credit and customer review. Maintaining depth knowledge of the customer’s business through regular customer visits and industry research. Processing of Credit proposal & obtaining approval from HO. Act as the member of the branch Credit Committee and exercise Branch Business Delegation prudently. Disbursement/maintenance of loans  Monitoring, Supervision and Follow up the loans and advance relating to Overdraft. Preparation of Head Office and Central Bank Reports (Monthly/Quarterly/half-yearly/yearly as per instructions)  Ensure compliance with internal policies and procedures and external regulatory requirements and it recommendation are implemented.  Any other credit related matters as and when required and instructed from time to time. Restructuring and rescheduling of credit facilities for smooth repayment and recovery.