Antor.

Key Responsibilities:
🔹 Deeply analyse client financial statements to assess creditworthiness and repayment capacity
🔹 Study external credit rating reports and evaluate the borrower’s financial standing and reputation
🔹 Conduct internal credit risk ratings following the bank’s credit risk management framework
🔹 Assess and manage borrower risk profiles (industry risk, business risk, and management quality)
🔹 Prepare detailed credit proposals and risk analysis memos for credit committee decisions
🔹 Monitor and manage a sound client loan portfolio, ensuring timely reviews and performance tracking
🔹 Conduct market and industry research to evaluate macroeconomic impact on client operations
🔹 Undertake research to support investment recommendations for the fund manager
🔹 Evaluate short-term and long-term investment instruments, focusing on risk-return optimisation
🔹 Ensure strict adherence to Bangladesh Bank regulations and internal risk and compliance standards
🔹 Ensured timely and accurate reporting to regulatory bodies, including the Bangladesh Bank
🔹Conducted in-depth financial due diligence for high-value loan clients, minimising default risks

Key Achievements
🔹Successfully maintaining a loan and credit portfolio of BDT 1000 Crore (Approximately USD 80 million)
🔹Played a pivotal role in streamlining the credit appraisal process, reducing processing time by 25%
🔹Identified and recommended investment opportunities that outperformed benchmarks with low risk
🔹Successfully managed a portfolio with zero NPL record during tenure
🔹 Recognised by the head of the Branch for consistency in quality documentation and regulatory accuracy
🔹Enhanced client satisfaction by improving turnaround time on credit decisions and query resolution
🔹Equipped other colleagues on rules, regulations and best practices in credit risk management and the credit proposal process through knowledge sharing

Currently pursuing an M.Sc. in Finance at Schmalkalden University of Applied Sciences, Germany, with an academic emphasis on corporate finance, investment analysis, financial engineering, and quantitative risk management. The program provides a rigorous analytical framework to evaluate complex financial decisions and develop data-driven investment strategies.

Building upon my BBA and MBA from the University of Dhaka and my professional banking experience, this advanced study serves as a strategic extension of my academic and career foundation. It enables me to integrate theoretical knowledge with practical financial expertise, enhancing my ability to analyse markets, manage portfolios, and optimise corporate financial performance within dynamic global banking environments.