Khayrul Basar
Financial Analyst
East York,ON
Summary
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering eight years of financial industry expertise.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Credit Manager
Mutual Trust Bank Ltd
01.2021 - 12.2022
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Monitored accounts for signs of fraud and non-payment issues.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Optimized credit approval and collection processes, improving operational efficiencies by over 85%.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Developed strategies to expedite payments and customer resolutions.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Provided resources and expertise for conversion, validation and training required for company-wide software updates.
Credit Risk Analyst
Mutual Trust Bank Ltd
01.2019 - 12.2020
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Adhered to banking standards and government lending guidelines for loan services.
- Used MS Excel and TCS to perform credit appraisals, document verification and loan approvals.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Checked appraisals, title information and insurance documents for each property.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Performed credit reviews on corporations to assess financial conditions.
- Gathered loan documentation for underwriting.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
Credit Analyst
Mutual Trust Bank Ltd
01.2014 - 12.2018
- Conducted presentations to upper management and executive teams for loan recommendations
- Assessed credit risk and analyzed financial statements
- Contacted customers and requested financial documentation
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment
- Performed credit reviews on corporations to assess financial conditions
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews
- Improved understanding of financial statements, which helped in assessing risk
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit
- Complied with internal controls and government regulations
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Performed credit reviews on corporations to assess financial conditions.
- Placed customer accounts on hold due to past due payments.
- Contacted customers and requested financial documentation.
- Complied with internal controls and government regulations.
- Improved understanding of financial statements, which helped in assessing risk.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
Education
Master Of Management -
Trent University
Oshawa, ONMaster Of Business Administration - Finance
North South University
Dhaka, Bangladesh 12.2018
Bachelor Of Business Administration - Finance
East West University
Dhaka Bangladesh 02.2013
Skills
- Customer Relationship
- Compliance assessments
- Collateral risk
- Financial statement review
- Documentation preparation
- Performance monitoring
- Credit reports
- Risk mitigation
- Risk Assessment
- Fraud knowledge
- Financial Forecasting
- Business Management Principles
- Risk Analysis
- Financial Statements
- Cost Management
- Financial Markets
- Financial Management
- Financial Analysis
- Risk Mitigation
- Corporate Social Responsibility
- Client Relationship Management
- Customer Service
- Loan Processing
- Loan Policy Limits
Certification
- Workshop on “Money Laundering and Terrorist Financing Risk Management” 19.01.2017
- Training program on “Green Banking & Environment Risk Management” 31.01.2017
- Training program on “Card Products & Features” 20/05/2017
- Workshop on “Account Opening and Operating Procedure” 14.06.2017
- Training program on "Credit Risk Management” 16.07.2017
- Workshop on “SME Credit and Process” 10.03.2019
- Workshop on "Internal Credit Risk Rating System (ICRRS)” 28.04.2019
- Workshop on “Money Laundering and Terrorist Financing Risk Management” 05.05.2019
- Workshop on “Loan Classification & Provisioning and new Centralized CAD Operations Process” 22.06.2019
- Workshop on “Overdue and SMA Loan Reporting” 03.09.2019
- Workshop on “SME Product & Process Development” 18.09.2019
- Workshop on “Environmental & Social Risk Management and Green Finance Function: Towards Sustainable Banking” 03.11.2019
- Zoom Based Workshop on “Sustainable Banking, Environmental & Social Risk Management” 20.09.2020
- Online Workshop on ‘Role based Money Laundering & Terrorist Financing Risk Management’ 23.11.2020
- Training program on “CBS on Islamic Banking: GB Module” 06.03.2021
- Role Based Workshop on Money Laundering and Terrorist Financing Risk Management 10.03.2021
- Zoom Based Workshop on “Customer Service, Customer Experience & Compliant Management” 19.04.2021
- Zoom based workshop on “Islamic Financing” 26.06.2021
- Training program for “Branch SME Credit In-Charges on Newly Developed Credit Memo Format” 08.11.2021
- Zoom based workshop on “Integrated Supervision System (ISS) Reporting to Bangladesh Bank” 15.11.2021
Timeline
Credit Manager
Mutual Trust Bank Ltd
01.2021 - 12.2022
Credit Risk Analyst
Mutual Trust Bank Ltd
01.2019 - 12.2020
Credit Analyst
Mutual Trust Bank Ltd
01.2014 - 12.2018
Master Of Management -
Trent University
Master Of Business Administration - Finance
North South University
Bachelor Of Business Administration - Finance
East West University
- Workshop on “Money Laundering and Terrorist Financing Risk Management” 19.01.2017
- Training program on “Green Banking & Environment Risk Management” 31.01.2017
- Training program on “Card Products & Features” 20/05/2017
- Workshop on “Account Opening and Operating Procedure” 14.06.2017
- Training program on "Credit Risk Management” 16.07.2017
- Workshop on “SME Credit and Process” 10.03.2019
- Workshop on "Internal Credit Risk Rating System (ICRRS)” 28.04.2019
- Workshop on “Money Laundering and Terrorist Financing Risk Management” 05.05.2019
- Workshop on “Loan Classification & Provisioning and new Centralized CAD Operations Process” 22.06.2019
- Workshop on “Overdue and SMA Loan Reporting” 03.09.2019
- Workshop on “SME Product & Process Development” 18.09.2019
- Workshop on “Environmental & Social Risk Management and Green Finance Function: Towards Sustainable Banking” 03.11.2019
- Zoom Based Workshop on “Sustainable Banking, Environmental & Social Risk Management” 20.09.2020
- Online Workshop on ‘Role based Money Laundering & Terrorist Financing Risk Management’ 23.11.2020
- Training program on “CBS on Islamic Banking: GB Module” 06.03.2021
- Role Based Workshop on Money Laundering and Terrorist Financing Risk Management 10.03.2021
- Zoom Based Workshop on “Customer Service, Customer Experience & Compliant Management” 19.04.2021
- Zoom based workshop on “Islamic Financing” 26.06.2021
- Training program for “Branch SME Credit In-Charges on Newly Developed Credit Memo Format” 08.11.2021
- Zoom based workshop on “Integrated Supervision System (ISS) Reporting to Bangladesh Bank” 15.11.2021
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