i. Pre-screening of loan application as per PPG;ii. Conduct visit to business premise/factory/collateral of the borrowers to assess the client's financial stability;iii. Conduct documentation due diligence/compliance review;iv. Prepare Comprehensive visit & compliance report;v. Prepare loan appraisal for Retail Finance based on PPG & close the request accordingly;vi. Conduct verification of submitted documents such as bank statement, national identification card, tax identification number, utility bill, certificate & license through both internal & external source to ensure their authenticity & accuracy;vii. Assess clients' requirements & evaluate their repayment capacity by utilizing key financial indicators & subjective judgment in order to match their needs with appropriate financial solutions;viii. Maintain communication & correspondence with RMs to address any inquiries from credit approver regarding credit proposal;ix. Create checklist & synopse pertaining to credit proposal for presentation at CEC meeting & prepare board memo to seek approval;x. Ensure adherence to internal policies & external regulatory requirements, specifically those set forth by the Bangladesh Bank;xi. Provide a comprehensive & multi-dimensional analysis of the investment outlook, utilizing industry analysis to communicate insights in an accessible & informative manner;xii. Facilitate knowledge sharing with sales personnel to mitigate information asymmetry between credit analysts & customers;xiii. Ensure compliance with regulations & guidelines set forth by the Central Bank & other relevant regulatory bodies;xiv. Maintain reporting to Bangladesh Bank on Credit Risk-related matters;xv. Maintain pertinent data & generate MIS reports for senior management;xvi. Facilitate cross-functional communication with various departments including Branch/Sales, Corporate, SME & Retail Business Departments, Legal Department, CAD, Monitoring & Collection Department, IACD & HRD as necessary;

i. As Head of Retail (Asset Business):~ Boost up the Consumer Finance portfolio by taking strategic decisions within the policy purview of Bangladesh Finance;~ Consumer Product innovation on assets with the bottom-line objective to optimize profitability; ~ Strong follow-up monitoring on the asset portfolio to arrest any deterioration of the asset quality & initiation of remedial measures for recovery of Non-performing assets in the portfolio;~ Exertion of maximum efforts to bring down the overdue Non-performing assets in the portfolio within the expected level;~ In each & every functional area target oriented performance output is to be ensured; ~ Month to month end performance on all fronts of operation in the Retail & Consumer Finance segment to be submitted to the Managing Director & CEO for necessary review & next course of actions;~ Maintaining Cross Functional Activities With Other Departments;ii. As Acting Manager, Principal Branch:~ Ensure Loan/Lease Portfolio Target of Branch as fixed by HO;~ Ensure Deposit Portfolio Target of Branch as fixed by HO;~ Ensure Profit Target of Branch as fixed by HO;~ Ensure NPL Target of Branch as fixed by HO;~ Ensue 100% compliance as per guideline;~ Faster legal, searching, valuation process;~ Primary assessment of Loan/Lease proposal;~ Faster disbursement process & BankUltimus Operations;~ Arrange business review meeting with Branch officials for development;~ Identify the lack of knowledge of the Branch Officials & arrange internal & external training as per requirements by the support of HO;~ To increase the number of new loan/lease and deposit customers, it is recommended to conduct periodic campaigns for the employees within the Branch;~ To ensure the smooth functioning of the branch, it is necessary to establish effective cross-functional communication & coordination with various departments such as Sales/Branch, Corporate Business, SME, Legal, CRM, CAD, Monitoring & Collection, IACD & HRD;

~ Assessment & fixing loan amount of credit proposals especially Home Loan & Home Mortgage Loan;~ Checking of all information of applicant provided in the Loan application form;~ Scrutinising all the relevant papers of the income of the applicant;~ Checking of the land related documents;~ Checking of Legal Opinion;~ Checking of surveyor verification report;~ Analysing the source of equity of the applicant;~ Fixation of mode of disbursement towards successful completion of the project;~ Communicating applicant to ascertain feasibility and capability of the applicant and try to match the information, income statement and net worth statement provided;~ Communicating the guarantors to make sure that they are agree and have wilfully provided guarantee;~ Analysing Bank Statement;~ Passing query to branches and Sales instantly when required;~ Solving minor discrepancies talking to applicant or branch/Sales;~ Preparing office note for placing before the HOCC;~ Presenting the loan proposals before the HOCC;~ Informing the respective branches and sales peoples regarding declined proposals;~ Preparing sanction of the Credit facility to the Branches along with checklist;~ Preserving individual files of each and every customer;~ Providing Disbursement Authority to the branches scrutinizing the checklist filled up by the branches;~ Processing of loan enhancement proposals;~ Update Branch and Sales for procuring quality proposal as per Retail Credit Policy Manual;~ Marketing for the Bank;~ Any other job specially assigned by the in-charge;~ Maintaining cross functional correspondence with Retail Business, Branches, Legal Division, SME Division, Corporate Banking Division, Credit Risk Management Division and Human Resources Management Division when required;

~ Monitoring of Branch Sales Team, Walking Customers of Branch and Marketed by Sales Team;~ Checking of all information of applicant provided in the Loan application form;~ Scrutinizing all the relevant papers of the income of the applicant;~ Checking of the land related documents for Home Loan proposal;~ Checking of Legal Opinion;~ Checking of surveyor verification report;~ Analysing the source of equity of the applicant;~ Communicating applicant to ascertain feasibility and capability of the applicant and try to match the information, income statement and net worth statement provided;~ Analysing Bank Statement;~ Communicating the guarantors to make sure that they are agree and have wilfully provided guarantee;~ Preparing CIB inquiry form of the customers for obtaining CIB report;~ Passing query to the customers through sales team instantly when required;~ Solving minor discrepancies talking to Customer or Sales Team;~ Preparing Loan proposals for Head Office Approval;~ Presenting the loan proposals before the Branch Credit Manager, Operation Manager & Chief Manager;~ Preparing sanction of the Credit facility to the customer;~ Preserving individual files of each and every customer;~ Providing Disbursement Authority to the branches scrutinizing the checklist filled up by the branches;~ Processing of loan enhancement proposals;~ Train up Branch Sales Team on regular basis;~ Prepare weekly/monthly individual & total sales report of Branch Sales Team for Head Office Retail Banking Unit;~ Preparing monthly commission report of Branch Sales Executive’s for Head Office Retail Banking Unit;~ Visit the customers as and when required;~ Update Sales for procuring quality proposal as per Retail Credit Policy Manual;~ Marketing for the Bank;~ Any other job specially assigned by the Chief Manager of Branch as well as Head of Retail Banking Unit;~ Maintaining cross functional correspondence with other Branches & Head Office;

~ Build up corporate & individual relationship with Government, Semi-government, Autonomous body, Privet Local & Multinational Companies and NGOs for selling assets & liability products on behalf of Bank;~ Open corporate, proprietorship and individuals Accounts for increasing number of accounts as well as deposit volume of the Bank in the form of CD A/C, SB A/C, STD A/C, Fixed Deposit A/C, DPS A/C etc. as per policy of the Bank;~ Ensure proper documentation process as per policy of the Bank to open each and every new account and submission of loan proposals;~ Duly response and submit pending documents for opening accounts and loan proposals (if any) to the concern Department of The Branch as well as Head Office;~ Maintain all Anti Money Laundering policies at the time of opening each and every new account as per policy of Bangladesh Bank;~ Ensure delivery of new cheque book, debit card, fixed deposit receipt, DPS receipt to the client after opening each new accounts;~ Fulfil each and every queries of my existing and new clients as well as probable clients;~ Regularly Maintain interpersonal relationships with all related department of the Branch and Head Office for smooth operation for opening of each new accounts and disbursement of Loans to monitoring, collection & recovery;~ Ensure turnaround time for service delivery to the client;~ Prepare daily job description;~ Prepare daily, weekly, monthly sales call report;~ Motivate fellow team members;~ Maintaining regular communications with existing clients;~ Achieving monthly & yearly business target;

~ Build up corporate & individual relationship with Government, Semi-government, Autonomous body, Privet Local & Multinational Companies and NGOs for selling assets & liability products on behalf of Bank;~ Open corporate, proprietorship and individuals Accounts for increasing number of accounts as well as deposit volume of the Bank in the form of CD A/C, SB A/C, STD A/C, Fixed Deposit A/C, DPS A/C etc. as per policy of the Bank;~ Ensure proper documentation process as per policy of the Bank to open each and every new account;~ Duly response and submit pending documents for opening accounts (if any) to the concern Department of The Branch as well as Head Office;~ Maintain all Anti Money Laundering policies at the time of opening each and every new account as per policy of Bangladesh Bank;~ Ensure delivery of new cheque book, debit card, fixed deposit receipt, DPS receipt to the client after opening each new accounts;~ Fulfil each and every queries of my existing and new clients as well as probable clients;~ Regularly Maintain interpersonal relationships with all related department of the Branch and Head Office for smooth operation for opening of each new accounts;~ Ensure turnaround time for service delivery to the client;~ Prepare daily job description;~ Prepare daily, weekly, monthly sales call report;~ Motivate fellow team members;~ Maintaining regular communications with existing clients;~ Achieving monthly & yearly business target;