Mohammad Wahid Email & Phone Number

Dhaka, Bangladesh

Dhaka, Bangladesh

Dhaka Bangladesh

- Retain commercial sector-wide lending portfolio and act as a Credit Intelligence for different lending product (Retail & SME) and borrower segment wise portfolio review.- Manage Dashboard and Business/ Credit Matrix of all products of retail loan, analyze performance and forecast.- Prepared “Consumer & SME Credit Policy” which is 1st time in the country for any local bank.- Contributes to the identification of opportunities for continuous improvement of processes and practices taking into account ‘international best practice’, improvement of business processes, cost reduction and productivity improvement.- Implement the Bank’s lending process clear and transparent conducting history of all approvals, decline or even blacklisted (bank defined) data with a single database for reducing fraud cases.- Introduced and developed CIB seeking process and guideline for the light of Bangladesh Bank provided streamlines for better and fast assessment of loan proposals and manage numerous deliverable in a timely and effective fashion.- Supervise, train & organize the team consisting of Credit Analysts, Contact Point Verification staff and Pre-screening Officers ensuring efficient operation of the department at all times.- Develop and introduce new and innovative credit measures to improve quality of the portfolio and simplification of approval process in coordination with Retail Banking Division.- Ensure compliance with internal policies/procedures and external regulatory requirements and that all internal & external audit recommendations are implemented

Dhaka, Bangladesh

- Manage the SME Credit Team located across the country (specified); ensure timely, high quality and independent credit risk analysis are performed on credit proposals submitted by the business.- Portfolio under management is over BDT 1300 crore & NPL ratio of below 4%.- Analyze applicants' financial status, credit and property evaluations to determine feasibility of granting loans and periodical portfolio level analysis for SME Loan Book- Evaluate the Bank’s SME business strategy within the purview of the Product Program Guideline for each of the SME products.- Carry out credit risk grading exercise along with an HO - Credit Analyst, as per the rating model adopted by the Bank and arrange to get the confirmation of the same from Heads of Business Unit and Credit Risk Evaluation - HO.- Administer all SME loan products as per approved amount levels and in accordance with lending policies/ procedures and regulatory requirements.- Initiative taken to automate the credit processing and proactively participated in the document workflow process implementation which improved the all product TAT cost effectively.- Investigation cause Analysis of fraud cases.- Developing and implementing strategies and overseeing risk management activities of SME portfolio of nation-wide scale.

Dhaka, Bangladesh

- Assess all the supporting documents of the credit application, such as consultant reports, feasibility studies, NID, TIN, other bank’s references and communicates with the relevant business officers for the provision of more information and clarification, if required, to complete the credit evaluation and provide sound reporting to supervisors.- Evaluated & maintaining quality secured loan portfolio of BDT. 900 crore & NPL ratio of below 3%.- Thoroughly study & scrutinize all documents received under the credit proposal such as mortgage, car, personal loan & credit card. Adhere and comply with applicable internal policies and procedures, TAT and SLAs as well as governing regulations issued by concerned authorities.- Interact with Valuers, Vendors, law agencies and others- Sated up all process flow for Retail Underwriting- To undertake periodic reviews of specific credit portfolios to ensure that the assets are performing as anticipated and any deteriorating trends are identified and remedial action taken to minimize losses.

Mba, Finance, Cgpa 3 Out Of 4

Masters, Finance & Banking, Second Class

Honors, Finance & Banking, Second Class

Hsc, Business Studies, First Division

Ssc, Humanities, First Division