Mohammad Asaduzzaman Chowdhury
Saskatoon,SK
Summary
Seasoned Financial Services Representative with relevant experience in providing clients with tailored financial solutions and investment advice. Strengths include strong analytical skills, client relationship management, and knowledge of banking products and services. Previous work resulted in improved client satisfaction and increased portfolio growth through personalized service delivery.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Customer Service Representative
Hinduja Global Solutions Limited
Saskatoon, Saskatchewan
10.2023 - Current
- Informed customers about billing procedures, processed payments, and provided payment option setup assistance.
- Answered customer inquiries and provided accurate information regarding products and services.
- Promoted available products and services to customers during service, account management and order calls.
- Maintained a high level of professionalism when dealing with difficult customers.
Senior Credit Analyst
Brac Bank Limited
Dhaka, Bangladesh
10.2016 - 07.2023
- Prepared comprehensive credit reports summarizing findings and supporting loan approval or denial decisions.
- Evaluated requests for new loans or line increases based on established criteria.
- Drafted credit recommendations based on findings from financial statement analysis and other sources of information.
- Developed credit policies and procedures for loan origination, underwriting, servicing, and collections processes.
- Assisted clients with completion of loan applications, advising on information required and regulated by law and identifying programs best suited to clients.
- Ensured compliance with regulatory requirements and internal credit policies during the credit approval process.
- Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
- Conducted credit reviews on corporations to assess financial conditions.
- Maintained relationships with internal departments such as sales teams, legal advisors, operations personnel and external organizations such as vendors or auditors.
Credit Analyst
IDLC Finance Limited
Dhaka, Bangladesh
12.2015 - 10.2016
- Determined appropriate loan terms based on borrower's creditworthiness.
- Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
- Prepared periodic reports detailing overall portfolio performance and trends in delinquency rates.
- Performed sector-specific research to understand risks and opportunities within industries.
- Reviewed loan applications for accuracy and completeness before submitting them for approval.
Financial Services Representative
National Bank Limited
Dhaka, Bangladesh
07.2011 - 11.2015
- Educated customers about different types of products available from the company's portfolio.
- Conducted regular reviews of existing portfolios to ensure they remain in line with clients' goals.
- Analyzed client financial statements and data to evaluate financial health and investment opportunities.
- Maintained friendly front-line coverage by greeting and assisting walk-in customers, promoting good first impressions with clients.
- Demonstrated expertise in product knowledge and sales to identify and recommend appropriate products and services to clients.
- Received and posted payments to loan accounts.
- Maintained strict compliance with all regulatory and ethical standards in financial advisory services.
Education
MBA - Finance
University of Dhaka
Dhaka, Bangladesh03-2018
BBA - Finance
University of Dhaka
Dhaka, Bangladesh11-2009
Skills
- Regulatory compliance
- Team collaboration
- Relationship management
- Effective communication
- Time management
- Microsoft Office Suite
- Customer consulting
- Business development
- Creative problem solving
- Decision-making
- Critical thinking
- Customer relations
Certification
- Canadian Securities Course (CSC) 2025
- Investment Funds in Canada (IFIC) 2024
Languages
English
Full Professional
Bengali
Native/ Bilingual
Timeline
Customer Service Representative
Hinduja Global Solutions Limited
10.2023 - Current
Senior Credit Analyst
Brac Bank Limited
10.2016 - 07.2023
Credit Analyst
IDLC Finance Limited
12.2015 - 10.2016
Financial Services Representative
National Bank Limited
07.2011 - 11.2015
MBA - Finance
University of Dhaka
BBA - Finance
University of Dhaka
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