Ullash Paul Email & Phone Number

Credit Officer at a Third Generation Private Commercial Bank with a concentration on commercial and retail banking. Expert in credit operations and General Banking with a noticeable understanding of the clients’ needs and business assessment.• 3 years’ experience in commercial and retail banking.• Proficient in dealing with customers directly• Excellent capacity to determine customers’ needs and prospects• Excellent capacity convenience customers.• Expert in credit risk analysis, loan documentation and loan maintenance• Dependable problem-solving; analytical and decision-making skills• Ability to build and maintain relationships with customers.• Effective negotiation, conviencing and client retention skills• Strong communication skills in both English and Bengali (mother tongue)• Skilled in office application software such as Word, Excel, Power Point, Outlook etc.

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  Executive Officer

  Mercantile Bank Limited

  Dec 2017 - Present - Dhaka, Bangladesh

  • Pursue potential clients for opening new deposit accounts, availing credit card facilities.• Meet annual deposit collection targets equivalent to BDT 40 Million.• Cross-sell various deposit and loan products.• Explore new opportunities to extend loans and advances to achieve business targets.• Provide advice to clients regarding the realization of their financial goals through effective utilization of bank finance with an understanding of the associated risks.• Analyze clients’ business to get an idea about their creditworthiness and to decide on their capacity to repay loans.• Collect and examine credit reports to ascertain clients’ repayment behavior.• Prepare loan proposals according to the credit policy of the Bank for obtaining approval from the competent authority to facilitate clients.• Disburse loan after necessary documentation in compliance with the regulatory norms.• Monitor loan accounts to ensure regular repayment and pursue/ negotiate with borrowers to recover irregular repayments.• Prepare and submit credit-related periodical statements such as loan classification, NPL recovery etc., and recommend legal action against delinquent clients.