Anowarul Islam Email & Phone Number

Dhaka, Bd

Dhaka, Bangladesh.

- Lead ‘Credit Inspection and Monitoring’ unit under ‘Credit Administration Department’ (CAD), participate in strategic decision making, process re-engineering, risk mitigation, cost effectiveness, coordinate with stakeholders and cross functional team management.- Responsible to derive performance of people, resource and task allocation in controlled environment for the unit and ensure strategic intent aligned with the organizational goal and objective. - Conduct comprehensive factory visit covering credit risk, operational risk, management risk, financial covenants, environmental and social compliance issues and provide observations on overall borrower evaluation. - Supervise implementation of borrower visit program based on different parameters, preparation of independent visit report and circulate to the senior management.- Supervise portfolio by conducting post facto documentation due diligence review on sample basis, escalate covenants and conditions deficiency through independent report.- Supervise collection of borrower’s stock report, insurance coverage, deferrals, drawing power calculation and other covenants for corporate borrowers and escalate deviations, if any. - Provide independent report to the Board Risk Management Committee (BRMC) based on all findings derived from Credit Inspection and Monitoring activities. Supervise relevant risk issues reporting in Enterprise Risk Management Committee (ERMC) and Enterprise Risk Associate Forum (ERAF).- Verify adverse incidents and report accordingly for corrective action on need basis. Also work with Sustainable Financing Unit (SFU) on social and environmental issues.

Organizational leadership position in Wholesale/ Corporate and Medium business credit administration and financial asset operations. Strategic planning and Management of process, control and compliance on Security and loan documentation. Relationship management with stakeholders and resolving regulatory, legal and compliance issues.

Dhaka, Bangladesh

Dhaka, Bangladesh

- Supervise effective corporate loans delivery, ensure proper documentation, monitor & update irregularities regarding limit, expiry & documents.- Initiate and assist for operational development, modification and implementation of various process re-engineering issues, control mechanism, develop staffs and provide training.- Identifying and mitigation of departmental risks relating to corporate asset activities.- Ensure adherence of approved credit memo, board memo and sanction terms for disbursement of corporate loans & documentation.- Ensure prompt and error-free corporate loan due diligence, limit loading and disbursements without customer complain.- Arrange mortgage and other security charges against corporate loans where necessary.- Monitor and timely follow-up for special waiver & docs deferral updating.- Ensure review of the conditions and covenants of existing corporate loans on a periodic basis.- Proactively communicate & address all internal customer issues.- Prepare and analyze the relevant MIS report on corporate clients (including irregularity) on a periodic basis.

Process Adherence - Ensure adherence with approved terms and prudent operational process to lead or participation of syndication finance.Syndication Documentation – Coordinate with legal solicitor to prepare security and loan documentation for syndication facility lead by the bank. Deliver final documents for execution after screening and incorporation of observations from syndication participants.Legal Opinion – Obtain legal opinion on draft security and loan documents to which the bank participate. Ensure incorporation of observations in final documents.Documents Execution – Coordinate security and loan documents execution and enforceability by ensuring appropriate authority and due diligence consequence.Security Enforceability - Create registration of mortgages, charges with regulatory authority and obtain endorsements by ensuring the due process against financing facility.Compliance – Ensure compliance regulated by internal and external authority; confirm condition precedence of lending facility followed.Disbursement - Ensure prompt and flawless disbursements by creating loan accounts and lien of security instruments i.e. FDR, share.Deferral – Follow-up and regularize documentation process deficiency, deferral and waiver.Communication - Proactively communicate and resolve all issues related to departmental deliverables.Review – Ensure conditions and covenants of existing corporate financing facilities by review on project or periodic basis.Risk Mitigation - Assist line manager to identifying and mitigate departmental risks relating to process, control, compliance, possibility of exploitation or any hidden risk.Reporting - Prepare different departmental MIS reports on periodic or project basis.Training – Endow on job training related to syndication, documentation, mortgage, process flow and due diligence as departmental and cross-functional activity.

Relationship Management - Maintain relationship with prospective clients, contacts, corporate houses, regulatory agencies, business partners and accomplish designated job.Sales - Sales of financial service and product; such as term loan, lease financing, short term financing etc to corporate, SME and other market segments.Marketing - Prepare and implement marketing strategy, market research, develop financial service and product, innovate promotional concept, coordinate with media agencies and monitor market feedback.Credit Analysis – Financial analysis, prepare appraisal and credit memo, product pricing and ensure due diligence.Syndicated Financing – Prepare Information Memorandum (IM) for syndicated financing as lead arranger, arrange syndicated financing participation and resolve all relevant issues.Negotiation - Negotiate and resolve divergence with clients or other involved parties on product price and relevant financial, documentary, legal, technical or due diligence issues. Documentation - Screening legal and security documents; ensure proper execution, compliance and enforceability.Monitoring - Monitor and follow-up imminent issues, correspondence, reporting, ensure realization of account receivables, facility repayments etc.

Relationship Management - Maintain relationship with prospective clients, contacts, property developers, business development partners and accomplish designated job. Sales and Marketing - Prepare and implement marketing strategy. Lead a team of sales executives. Sales of home mortgage loan, lease financing and other financial products.Analysis – Prepare credit appraisal, financial analysis and ensure due diligence.Negotiation - Negotiate with clients and other involved parties in different financial, documentary, legal and technical issues; resolve dispute if arises.Administration – Responsible for all administrative issues of the branch. Documentation - Screening legal and security documents; ensure proper execution, compliance and enforceability.Monitoring - Monitor and follow-up imminent issues, correspondence, reporting, supervise financial analyst, ensure realization of account receivables, facility repayments etc.

Liquidity management – Analyze short and long term fund requirements, monitor cash flow, optimize risk and cost of funding portfolio.Funding – Sourcing funds from banks and other institutions, maintain liaison with lenders, negotiating terms and interest rate, arrange smooth disbursement and repayment, resolve funding related issues and divergence under the company policy.Multilateral agencies – Deal with IDA - CBSF project, KfW of Germany and prepare elementary papers, eligibility, project documentations, arrange refinancing and bridge financing, disbursements and repayments of financings, maintain relationship, resolve operational issues under the management guidance.Regulatory - Deal with Financial Institutions Department (FID) and Credit Information Bureau (CIB) of Bangladesh Bank to settle compliance or any other relevant issues. Money market operation – Day to day call loan administration, liquidity planning, reporting to top management and Bangladesh Bank. CRR and SLR – Maintain cash reserve requirement (CRR) with Bangladesh Bank and statutory liquidity reserve (SLR). Submit reports to Bangladesh Bank. Documentations – Screening and execute short-term or long-term loan documentation, debenture documentation, security documentation, refinancing and bridge financing documentation, pari passu security-sharing documentation; liaison with lawyer.Banking facilities arrangement – Arrange letter of credit limits, guarantee, forward booking, current accounts, remittance etc.Reporting - Prepare and maintain reports for the Company’s internal and external use. Provide bank reconciliation information and funding related information to the accounts department.Compliance – Submit financial statements and ensure other covenants set by banks, other lenders, multilateral agencies, external auditor and regulatory authorities on funding related issues.

Master Of Commerce, Banking

Bachelor Of Commerce (Hons.), Finance & Banking