MOHAMMAD SAIFUZZAMAN
8283 159th St, Jamaica,USA
Summary
A skilled communicator with strong public relations abilities, adept at engaging with individuals at all levels. Experienced in providing high-quality customer service with confidence, professionalism, and a friendly demeanor. Proficient in handling client interactions effectively, both in person and over the phone, with courtesy and tact.
Overview
13
13
years of professional experience
Work History
Credit Officer
Bank Asia Limited
02.2015 - 03.2020
- Analysis the financial ability related tolls like (Financial Statement Analysis, Bank Statement Analysis, Borrower Selection, Profit & Loss Analysis, Balance Sheet Analysis, Cash Flow statement, Working Capital Requirement).
- To submit accurate and timely credit proposals of all Retail & SME loan (New & Existing) with justification/assessment for the recommended credit facilities duly signed by Head of Branch.
- Submitting proposal summery with observations to management, obtaining feedback from management, informs to business end and gives them proper justification regarding funding & recommended for final approval.
Acting Area Credit Manager (Small Business)
BRAC Bank Limited
04.2013 - 02.2015
- Analysis the financial ability related tolls like (Financial Statement Analysis, Bank Statement Analysis, Borrower Selection, Profit & Loss Analysis, Balance Sheet Analysis, Cash Flow statement, Working Capital Requirement).
- Submitting Proposal summery with observations to management, obtaining feedback from management, informs to business end and gives them proper justification regarding funding & Final Approval.
Credit Analyst (SME Credit)
BRAC Bank Limited
09.2011 - 03.2013
- Analysis the financial ability related tolls like (Financial Statement Analysis, Bank Statement Analysis, Borrower Selection, Profit & Loss Analysis, Balance Sheet Analysis, Cash Flow statement, Working Capital Requirement).
- Submitting Proposal summery with observations to management, obtaining feedback from management, informs to business end and gives them proper justification regarding funding & Recommended for Final Approval.
Customer Relations Officer
BRAC Bank Limited
03.2007 - 09.2011
- Analysis the financial ability related tolls like (Credit Appraisal, Financial Statement Analysis, Bank Statement Analysis, Borrower Selection, Cash flow Statement, Ratio Analysis, Taxation Analysis etc)
- To submit accurate and timely credit proposals of all SME loan (New & Existing) with justification/assessment for the recommended credit facilities duly approval signed by Zonal Manager.
Education
Master of Social Science (M.S.S) - Political Science
Govt. B.M College
01.2004
Skills
- Quantitative Analysis
- Credit Scoring Techniques
- Risk assessment
- Regulatory compliance
- Problem-Solving Skills
- Knowledge of Financial Products
- Public relations
- Risk management
Languages
English
Professional Working
Bengali
Native or Bilingual
Timeline
Credit Officer
Bank Asia Limited
02.2015 - 03.2020
Acting Area Credit Manager (Small Business)
BRAC Bank Limited
04.2013 - 02.2015
Credit Analyst (SME Credit)
BRAC Bank Limited
09.2011 - 03.2013
Customer Relations Officer
BRAC Bank Limited
03.2007 - 09.2011
Master of Social Science (M.S.S) - Political Science
Govt. B.M College
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