Professional Experiences

NATIONAL CREDIT RECOVERY INC. | CREDIT OFFICER | CANADA July’20 – Sep’20

Negotiated with consumers professionally and explored sources to determine the best possible arrangement.

· Handled a large volume of inbound & outbound client calls to and from Rogers, Fido, BMO, Scotiabank etc. Completed accurate transactions, updated client files, collected overdue balances and followed up with clients. Determining an appropriate action plan for each delinquent account by email, telephone calls, skip tracing and maximizing recovery prospects by providing suitable repayment options to clients.

Key Contributions:

· Met and surpassed monthly recovery targets by resolving delinquent accounts & performing collection actions.

H&R BLOCK INC. CANADA | TAX PROFESSIONAL | CANADA Jan’20 – Apr’20

Interviewed clients to obtain information on taxable income and deductible expenses. Used all appropriate adjustments, deductions, and credits to keep clients' taxes to a minimum.

· Computed taxes owed or overpaid and provided tax tips for RRSP, RESP, TFSA etc.

· Furnished taxpayers with expert information and advised correct tax forms for e-filing to CRA.

Key Contributions:

· Prepared 140-150 federal and provincial tax returns for individuals during the tax season.

PRIME BANK LTD. | CREDIT ANALYST | COMMERCIAL BANKING | BANGLADESH July’15 – May’19

Developed a need-based sales strategy for prospective clients to identify new opportunities, grew revenue & retained business and maintained a high standard of credit quality by mitigating risks & ensuring business growth.

· Exercised sound credit adjudication in making credit recommendations for personal lending transactions within the established limits by assessing & analyzing credit risk by adhering Bank’s Risk Management framework.

· Reviewed loan documents to ensure completeness & accuracy and performed an initial appraisal of potential borrowers by thoroughly examining the client’s risk profile, credit history, collateral & capacity.

· Conducted credit underwriting with due diligence on new and existing relationships to complete steps needed to proceed to funding new loans and to monitor existing exposure of the respective portfolio quality.

· Helped business owners with their Equipment Purchase, Leasehold Improvements, Auto Finance, Commercial Mortgage, Working Capital, Term Loan, Work Order Finance, Import Financing to reach their business goals.

· Analyzed financial statements and undertook trend analysis of creditworthiness, receivables, payables, borrowing bases, and set financial covenants with the coordination of efforts of internal business partners.

Key Contributions:

· Managed a commercial credit portfolio of 155 numbers of medium to small business clients (disbursed approx. $50.00 million by onboarding 38 new clients) and earned around $2.00 million of interest & fee-based income.

· Streamlined the business analytics and MIS system, trimmed reporting & input times by 30%, and reduced error percentages to below 5% per month to provide insights and recommendations.

· Promoted accelerated to the position from Executive Officer to Senior Executive Officer and then First Assistant Vice President for demonstrating optimal performance and streamlining work processes.

PRIME BANK LTD. | ACCOUNT MANAGER | SPECIAL ASSET MANAGEMENT | BANGLADESH Apr’10 – June’15

Negotiated with customers by reviewing the account information and made suitable repayment options to bring the loan out of delinquency by minimizing the Bank’s exposure to loan losses. Followed-up on promises to pay to ensure the client keeps them, take action accordingly in case of broken promises, and ensured notes and actions are placed on the account for each client contact.

· Ensured processing of appropriate salaries, benefits, deductions, remittances and provided the payroll register to Financial Administration Division for disbursement salary of the commissioned recovery agents on a monthly basis.

· Contributed to team results by coordinating with Bank’s enlisted third-party recovery agencies and acted as a referral point among the 4 units of the Division to upscale the overall performance enablement.

· Initiated civil and criminal litigations against the clients which cannot be done by normal collection method.

· Completed in-depth analysis of the financial performance of the early alert/charge off accounts and assessed security valuations & other security documentation to safeguard the Bank’s assets & mitigate the loss.

· Reviewed and updated the delinquent borrowers’ information in the Credit Information Bureau (CIB).

· Prepared credit proposals/presentations & presented before the authority of the Bank for rescheduling, restructuring, settlement & exit plan, writing-off, and provisioning of the non-performing accounts.

Key Contributions:

· Managed a distressed credit portfolio (incl. written-off) of more than 270 nos. of the medium, small & retail clients (approx. $175.00 million) while thrived in a target-based environment by exceeding 120-150% of targets.

· Transferred $1.00 million (approx.) from suspended income to Income A/C which contributed to Bank’s profit and recovered $2.00 million from classified and written-off clients.