PRATTAY BARUA
Los Angeles,CA
Summary
Dynamic finance professional with a proven track record at Commercial Bank of Ceylon PLC, excelling in credit analysis and enhancing customer relations. Leveraged financial statement review and risk analysis to optimize loan feasibility, achieving significant improvements in customer acquisition and satisfaction. Skilled in compliance reviews and adept at fostering positive client engagements.
Overview
3
3
years of professional experience
Work History
Credit Officer
Commercial Bank of Ceylon PLC
Chittagong
04.2021 - 02.2022
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Adhered to banking standards and government lending guidelines for loan services.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Organized and finalized loan applications for underwriter review.
Customer Service Officer
Commercial Bank of Ceylon PLC
Chittagong
06.2020 - 03.2021
- Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
- Addressed customer complaints and mitigated dissatisfaction by employing timely and on-point solutions.
- Promoted company brand and unique offerings through personalized customer service.
- Assisted call-in customers with questions and orders.
- Completed data entry to record call notes, suggestions and questions.
- Responded to customer calls and emails to answer questions about products and services.
- Managed payments, updated account balances and discussed subsequent payments with customers to keep accounts on track.
- Tracked customer service cases and updated service software with customer information.
- Processed customer service orders promptly to increase customer satisfaction.
- Followed up with customers about resolved issues to maintain high standards of customer service.
- Provided excellent customer care by responding to requests, assisting with product selection and handling ordering functions.
- Maintained up-to-date knowledge of product and service changes.
Cash Management Officer
Commercial Bank of Ceylon PLC
Chittagong, Bangladesh
06.2019 - 05.2020
- Oversaw liquidity and cash management operations.
- Identified gaps in market to spot opportunities to create value propositions.
- Collaborated with corporate finance team members to support quarterly external reporting.
- Produced monthly departmental headcount reports and analysis to compare actual budget and prior year results.
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
Education
MBA - Management Information Systems
International American University
3440 Wilshire Blvd STE 1000, Los Angeles, CA 9001001.2024
Bachelor of Science - Textile Engineering
Port City International University
9R55+PP8, S Khulshi Rd, Chattogram, Bangladesh03.2017
Skills
- Financial statement review
- Risk Analysis
- Documentation Management
- Delinquency monitoring
- Customer Relations
- Application preparation
- Compliance reviews
- Loan recommendations
- Credit analysis
- Financial statement analysis
- Quality controls
- Customer Acquisition
Languages
Bengali
Full Professional
English
Professional Working
Hindi
Limited Working
Timeline
Credit Officer
Commercial Bank of Ceylon PLC
04.2021 - 02.2022
Customer Service Officer
Commercial Bank of Ceylon PLC
06.2020 - 03.2021
Cash Management Officer
Commercial Bank of Ceylon PLC
06.2019 - 05.2020
MBA - Management Information Systems
International American University
Bachelor of Science - Textile Engineering
Port City International University