Md Khairul Amran
Toronto,ON
Summary
Eagerly seeking a dynamic role to leverage my recent completion of a second Master's degree from Trent University. Joined as a Management Trainee in a reputed bank and with over seven years of invaluable experience, I have honed my skills across diverse portfolios, including roles as a Credit Manager, Credit Relationship Manager, Credit Analyst, Personal Banker, and Customer Service Specialist. Ready to apply my expertise and drive for excellence in a challenging professional environment.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Credit Manager
AB Bank Limited
05.2021 - 12.2022
- As a credit manager, was responsible to look after a credit landing portfolio of around 250 Million USD both in funded and non-funded forms
- Analyze borrowers to select the best customer for banks credit landing and minimizing risk of the portfolio
- Assess credit risk and establish/recommends credit limits in accordance with existing credit line
- To find out any sort of risk associated with the credit landing and take necessary action to mitigate the risk
- Analyze customer's financial statements and market position
- Preparation of different credit proposal for renewal and fresh financing purpose
- Approve credits within delegated credit limits or place to the bank's approval committee
- Ensure sound and timely credit decisions conforming to Bank policies and procedures by: exercising sound credit judgment in approving and declining credit applications within established limits; presenting sound and effective recommendations on credit requests above established limits, ensuring credit applications are properly, accurately and completely investigated, analyzed and documented in relation to Bank policies and procedures; maintaining a current awareness of the Bank's loan policies, economic and business trends
- Drafting various correspondence letter both internal and external purpose
- Provide financial order management support to control credit exposure and effect timely payment
- Participate in projects to enhance the analytical depth of the Credit Team
- Responsible for training new credit team members and others as needed
- Ensure compliance of the bank regarding the Bangladesh bank and other regulatory body
- Work directly with leadership team on adhoc projects/initiatives
- Negotiating, Justifying and obtaining consent of the customer on providing security against the proposed credit exposure
- Cooperate for property valuation report from Bank's enlisted surveyor
- Restructures credit requests as necessary to make bankable deals in line with Bank policy and guidelines
- Negotiates with CRM's and Team leads to ensure credit terms and conditions are appropriate to ensure sound risk selection and that client needs are met
- Meet head office time to time requirement and fulfilling their further queries regarding the proposal
- Participate effectively in the management level meeting to contribute knowledge and skills to assist with decision making, projects and initiatives
- Preparation of various statement and Credit rating score by Bangladesh Bank
- Annual review of both performing and non-performing loan exposure
- Minimize bad and loss, write off credit lending
- Keeps current about the regulatory compliance changes, time to time circular from the government and central bank, compliance regarding legal and regulatory environment, time to time update and changes of our industry
- Advice and make strategy in collecting payment from past due accounts
- Contact with other banks to prepare bank report, credit rating of the borrower and take decision
- Oversee monthly reporting on the Managed accounts portfolio and identify any issues/opportunities that require further escalation.
Relationship Manager
AB Bank Limited
01.2020 - 04.2021
- Work to on board new client and at the same time manage a portfolio of loans combines of different small and corporate sectors
- Maintain strong relationship with the existing clients and source for the potential clients from different industry
- Meet with the clients both in their premises and bank's premises regarding any business issues and introduce client to the bank's different body at times
- Working as a single point of contact for the high portfolio for both small and Corporate customers at the bank
- Receives customers any fresh request and Identify client's credit need and propose a business line or enhance the existing line of limit by taking approval from the competent authority
- Responsible to increase import and export performance of the existing portfolio and cross sale both funded and non-funded product
- Meeting monthly, quarterly and yearly targets of deposit, Credit, Cash Management and others revenue
- In co-operation with credit manager need to work about risk identification and risk management
- Taking into consideration of clients complain and meet in no time with the best possible way
- Work with several departments of bank's for approval of credit facilities
- Advise client from time to time regarding their investment and financial services available to them
- Obtaining all the required documents as mentioned in the CRM policy of the Bank and as per regulatory guidelines
- Lead a small team of relationship officer
- Drafting various correspondences on part of Branch Management as per requirement and all other tasks as assigned by the management.
Credit Analyst
AB Bank Limited
07.2018 - 12.2019
- Analyzing Audited Financial Statement, projected Financial Statement, qualitative data, quantitative data for short term and long term finance of the existing and potential borrower for different credit decision
- Analyze, prepare and process renewal of the existing credit line, annual reviews or fresh credit requests in accordance with Bank policies and guidelines
- Justify, decide and recommend the appropriate credit line required by the credit client to ensure maximum utilization of the bank's investment
- Providing the best competitive pricing of the investment so that both bank and customer's gain ensure
- Specialize in Ready made garments, Manufacturing, Steel, service industry and other corporate industry
- Reconcile monthly liability position of the bank's portfolio and customer statements
- Regular contact with credit manager to follow-up performance of Import and export trade in line with both funded and non-funded business of the given portfolio
- Collect and analyzes credit information (CIB) to determine risk involved in lending money to Small and Corporate clients
- Identify the risk associated with the bank's landing and take necessary precaution for risk mitigation
- Meet the credit client, stakeholders , and analyses data and information to provide insights and recommendations
- Generates and prepare Internal Credit Risk Rating System (ICRRS) which is a central bank guideline by analyzing both quantitative and qualitative data of any client for taking any credit decision
- Formulate and execute reporting solutions to meet management and regulatory reporting requirements
- Supports the interpretation of internal and external policies and regulatory requirements relevant to the analytics and reporting mandate e.g
- Regulatory reporting
- Work with various data owners to discover and select available data sources from internal sources and external vendors (e.g
- Other banks, external credit rating system) to fulfill analytical needs
- Understand the industry, competition and the factors that differentiate the organization
- Preparation of call report and Customer action plan for processing any approval
- Preparing and analyzing environment social risk rating of the borrower
- Preparing and inquiring about KYC of the borrowers & guarantors
- Collection and analysis of receivable aging and contact with the debtors at times to take working capital financing decision
- Analyze customer's performance of last 05 years and project for bank's earning which eventually help to take credit risk and decision
- All other duties and projects as assigned by the management and credit manager.
Customer Service Executive
AB Bank Limited
11.2017 - 06.2018
- Deal with customers about their continuous banking need, service transactions, digital banking services and execution, customer's problem resolution related to banking solutions
- Support daily operational activities (e.g
- Opening bank accounts, escalated service requests, follow up on customer application, filing, opening and closing activities
- Help customers to use digital banking products by educating them on mobile, ATM, and online banking
- Receipt of different requisition for instance new cheque books, credit card PIN issue and lost, different value added services and delivering on time
- Listen to the customers queries and provide them the required support or refer to the related desks
- Be dedicated to build a customer base through the use of existing database, referrals & walk-ins.
Management Trainee Officer
AB Bank Limited
11.2015 - 10.2017
- On the job training and learning in bank's different department for instance Cash, Customer Service, Credit, Foreign trade
- Works in different department's different section on rotation based to learn the details of banking
- Participate different training session organized for the Management Trainees for banking knowledge development
- Provide great customer service at the teller counter, service point, credit department, foreign trade department
- Process money, cheque and credit/debit card payments over the counter
- Receive and collection of different government and semi-government fees and clearing vouchers
- Attend customers with instant general inquiries
- Maintain cash register, cheque book register, key register, vault register and others
- Monthly reporting of CTR, STR in central bank's Anti money laundering System
- Entry and receive of client's request, keep record to client's particular file and help relationship manager regarding processing
- Processing the credit card files and forward to the head office for approval
- Activation of credit card and provide card PIN and others
- Receive application from client regarding LC issuance and any amendment and work with foreign trade manager
- Processing for approval of cash LC (Sight) with 100% cash margin at branch level and activation of the LC limit for LC issuance
- Entry and receive of client's request, keep record to client's particular file and help relationship manager regarding processing
- Processing the credit card files and forward to the head office for approval
- Activation of credit card and provide card PIN and others.
Education
Master's degree - Management
Trent University
04.2024
MBA - Marketing
University of Dhaka
06.2015
Bachelor of Business Administration - Finance and Banking
International Islamic University Chittagong
04.2012
Skills
- Credit Analysis
- Communication skills
- Financial Analysis
- Ratio Analysis
- Customer support
- Analysis skills
- Drafting
- Computer skills
- Risk analysis
- Microsoft Excel
- Microsoft Word
- Customer Engagement
- Client Relationship Management
Certification
- Ontario Driving License, 09/2023, Present
- G2 License
Languages
English
Professional Working
Referrences
Md Kamrul Hasan
+13062019260
md.kamrul.hasan@themobileshop.ca
Timeline
Credit Manager
AB Bank Limited
05.2021 - 12.2022
Relationship Manager
AB Bank Limited
01.2020 - 04.2021
Credit Analyst
AB Bank Limited
07.2018 - 12.2019
Customer Service Executive
AB Bank Limited
11.2017 - 06.2018
Management Trainee Officer
AB Bank Limited
11.2015 - 10.2017
Master's degree - Management
Trent University
MBA - Marketing
University of Dhaka
Bachelor of Business Administration - Finance and Banking
International Islamic University Chittagong