Khayrul Basar
East York,Ontario
Summary
Analytical professional with strong background in financial modeling and risk management. Skilled in providing financial consultations and solutions for businesses of all sizes. Astute candidate develops new strategies and processes to optimize financial operations.
Overview
8
8
years of professional experience
Work History
Underwriting Supervisor
Mutual Trust Bank Ltd
01.2021 - 12.2022
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
- Monitored pipelines to track and log status of loans
- Explained very technical financial information to approval authority in easy-to-understand language
- Proactively identified solutions for customers experiencing credit issues
- Reviewed over 10 financial statements per day
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
- Coordinated cross-functional teams to address complex risks, resulting in tailored solutions for unique client needs.
- Ensured compliance with federal regulations as well as company policies throughout the underwriting process.
Portfolio 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
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams
- Optimized credit approval and collection processes, improving operational efficiencies by over 90%
- 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
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Assessed emerging risks through ongoing research and monitoring of industry trends, proactively addressing potential threats before they materialized into significant issues.
- Collaborated on implementation of collection strategies with collections, risk and fraud teams.
Credit Analyst
Mutual Trust Bank Ltd
11.2014 - 12.2018
- Analyzed creditworthiness of new loan applicants and determined credit risk of loan requests (At least 2 SME/corporate loan proposal per day)
- Assessed credit risk and analyzed financial statements
- Conducted presentations to upper management and executive teams for loan recommendations
- Maintained compliance with applicable regulations and laws governing consumer credit
- Monitored 400 above loan accounts (volume BDT2500 billion) routinely to identify and mitigate issues and prevent losses
- Attended credit-related training and conferences (30+) to stay informed about industry trends and developments
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
Education
Master of Management - Management
Trent University
Peterborough, ON04.2024
MBA - Finance
North South University
Dhaka, Bangladesh12.2017
BBA - Finance
East West University
Dhaka, Bangladesh12.2013
Skills
- Extensive knowledge of conventional loan underwriting and CMHC underwriting
- Strong financial statement analysis skills
- Proficiency in MS Word, Excel, and PowerPoint
- Exceptional oral and written communication skills
- Strong analytical and problem-solving skills
- Excellent organizational and time-management skills
- Ability to work independently and in a team environment
Languages
English
Full Professional
Timeline
Underwriting Supervisor
Mutual Trust Bank Ltd
01.2021 - 12.2022
Portfolio Risk Analyst
Mutual Trust Bank Ltd
01.2019 - 12.2020
Credit Analyst
Mutual Trust Bank Ltd
11.2014 - 12.2018
Master of Management - Management
Trent University
MBA - Finance
North South University
BBA - Finance
East West University
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