Uttam Kumar Halder Email & Phone Number

Dhaka, Bd

Dhaka, Bangladesh

Acting as Senior Credit Analyst. Identifying inherent Risks & mitigation, assessing credit proposals.Scrutinize the credit proposals in line with standard practice, Bangladesh Bank guidelines, and credit policy and norms of the bank.Preparation of credit memorandum.Ensuring compliance with regulatory bindings of Bangladesh Bank and other regulatory bodies.Focusing on areas/propositions contrary to the credit norms, practices, and policies of the bank while preparing memoranda meant for submitting before the competent authority / EC / board of directors of the bank.Ensuring due delivery of communication/sanction/decision to the branches.Responding to queries/providing replies to different letters from different regulatory bodies in time.Preserving all pertinent departmental papers and documents.Managing asset portfolio of different branches. Creating quality and rewarding asset portfolios for the branches. Consulting unknown, ambiguous, and gray areas of the business with senior management.Exercising enhanced due diligence in processing credit proposals and other areas of business to protect the interest of the bank.

Dhaka, Bangladesh

• Acting as Senior Credit Analyst. Identifying inherent Risks & mitigation, assessing credit proposals.• Scrutinize the credit proposals in line with standard practice, Bangladesh Bank guidelines, and credit policy and norms of the bank.• Preparation of credit memorandum.• Ensuring compliance with regulatory bindings of Bangladesh Bank and other regulatory bodies.• Focusing on areas/propositions contrary to the credit norms, practices and policies of the bank while preparing memoranda meant for submitting before the competent authority / EC / board of directors of the bank.• Ensuring due delivery of communication / sanction / decision to the branches.• Responding to queries/providing replies to different letters from different regulatory bodies in time.• Preserving all pertinent departmental papers and documents.• Managing asset portfolio of different branches. • Creating quality and rewarding asset portfolios for the branches. • Consulting unknown, ambiguous and gray areas of the business with senior management.• Exercising enhanced due diligence in processing credit proposals and other areas of business to protect the interest of the bank.

Nawabpur Branch, Dhaka, Bangladesh

I am a banker of 43

Dhaka, Bangladesh

• Overseeing all aspects of the branch's operations. This includes managing and leading a team of employees, setting performance goals, providing guidance and support, and ensuring efficient and effective branch operations.• Achieve business budget - assets, liabilities and other targets of the branch as set by Head Office.• Oversee all operations and service aspects of the branch, i.e. product promotion, client service, branch administration, human resources management etc.• Maintain branch service standard and strive to improve it.• Ensure all reporting are done complying with all regulatory compliance and timely manner.• Proper distribution of work among branch employees through well-defined tasks and responsibilities and ensure that right people are placed in the right positions.• Any other work / responsibility as and when assigned by the supervisor or Management of the Bank.

Dhaka, Bangladesh

• Acquire new business for the Bank complying with credit policy & regulatory guidelines and through superior level of client services to achieve financial and non-financial objectives of the branch.• Promoting and selling of financial products to the potential clients, regularly visit clients for new business or to maintain existing relationship.• Appraise loan applications and documentation according to the credit policy of the Bank; evaluate credit worthiness and repayment capacity.• Acquire CIB information and other reports - third party valuation report of the property, Contact Point Verification, Monthly stock report from the client etc.• Preparation of credit proposals and send the same to the concerned authority for approval.• Monitoring and follow-up of Credit Portfolio, reporting the same to the Manager and taking necessary measures as per their guidance.• Review classified loan(s) periodically; formulate and implement action plan / recovery strategy, Perform recovery activities of stuck up NPLs according to the guideline of competent authority of the Bank.• Handle and resolve customer complains; explain the best possible solution to clients; expediting adjustment if required.• Preparation and timely submission of all kinds of credit related statement to the concerned authorities.• Any other work / responsibility as and when assigned by the supervisor or Management of the Bank.

Master Of Professional Finance (Mpf), Finance, 2.95

During my course, I have learned about basic finance, corporate governance & ethics, analysis of financial investment, managerial.

Masters Of Commerce In Accounting, Accounting & Information System, Second Class

Bachelor Of Commerce - Bcom, Business/Commerce, General, Second Class

Higher Secondary Certificate, Business/Commerce, General, First Division

Secondary School Certificate, Arts, First Division