Saikat Dutta Email & Phone Number

Nārāyanganj, Dhaka, Bangladesh

• Visit, analyze, recommend and approve credit proposals after 360° loan analysis considering the core credit risks, purpose, financials, ratios, ICRR, exception and credit structuring as per lending guidelines.• Ensure due diligence complied with policies and guidelines as well as regulatory requirements.• Ensure standard Turn-Around-Time (TAT), quality of portfolio under Management (PUM) with regular monitoring on repayment behavior, account performance, overdue trend and history, revenue routing to ensure that the portfolio is thoroughly and conservatively valued.Major Achievement:• Involved in project ‘E-Lap (Electronic Lending Application Platform)’.• Under 61 core industry and sub-industry segments, CRM visit completed of 853 clients & prepared 779 clients’ credit memo worth of BDT 1,141.36 million located in Dhaka and Narayanganj districts.

Chattogram, Bangladesh

• Preparation and recommendation of credit proposals, Renewal with enhancement/reduction of existing credit facilities adherence with internal policies, process and external financial regulations.• Due diligence with project analysis i.e. analysis of projected cash flow statement, financials with the help of DSCR, Ratios, ICRRS/CRG and other tools to determine feasibility of proposed project from clients.• Preparation of call report & verification of stock report, debtor & creditor report submitted by clients. • Preparation of various financial statement and relevant analytical reports as required.Major Achievement:• Under 56 core industry and sub-industry segments, CRM visit completed of 1294 clients, assessed 971 clients & prepared 814 clients’ appraisal worth of BDT 2736 million located in Chattogram, Dhaka, Cox’s Bazar, Rangamati, Noakhali, Cumilla, Khulna, Rajshahi, Barishal districts and so on.• Involved in projects like ‘Effective Factors regarding Team Monitoring’; ‘Credit Visit Report’ and ‘Factors regarding Overdue & Its Management Process’.

Mba, International Management, Cgpa 3.36 Out Of 4

Mba, Finance & Banking, 3.64 Out Of 4

Bba, Management Studies, Cgpa 3.29 Out Of 4

H.S.C., Business Studies, Cgpa 4.5 Out Of 5

S.S.C., Business Studies, Cgpa 4.88 Out Of 5