Mohammad Masum Ur Rashid

Experience

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  Delta Brac Housing Finance Corporation Limited (DBH

  Feb 2010 - Jan 2016

  Jr.Officer- Technical & Credit

   Managing credit risk with broad experiences in all aspect of Retail Financing especially in mortgage based home loan-credit appraisal & assessment of business enterprises. Physically verified the employment status & Business status of clients. SWOT analysis to find out strengths and weaknesses.  Preparing Loan Appraisal Form (LAF) by ensuring proper credit policy. Analyze Bank statement. Conducting site visits and preparing construction progress reports. Cost estimation for construction finance & ensuring the status of construction progress for disbursement. Providing customer services to the walk-in & existing clients regarding pre-sales & post-sales issues. Facilitating disbursement through legal vetting & other branch assigned responsibilities Performing Mortgage & Redemption requirements as Authorized Person from DBH Helping in other branch operational activities that require on demand service. Show less

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  BRAC Bank Limited

  Jul 2016 - Apr 2017

  Officer Grade-II- Retail Central Operations

   Preparing sanction advice for allocated Home Loan,Auto Loan & Secured & Unsecured SME Loans Preparing security Advices for allocated clients including set of charge documents Scrutinizing documents of allocated Home Loan,Auto Loan & Secured & Unsecured SME Loan clients, Preparation of checklist along with deficiency list & completion f documentation as per approval. Periodic review of all property documents and other required documents for finding document deficiency.  To inform RM regarding documents deficiencies and persuasion for submitting the required documents frame. Monitoring deferral status of different clients and persuading the respective RM to comply with in deadline. Participating in the execution of Mortgage formalities of the collateral securities under different offices of Sub-Registers, Chittagong. Cross check the legal vetting for Mortgage Property by Bank’s enlisted Lawyers and valuation of Mortgaged property by Bank’s enlisted surveyors & in house technical team. Arranging charge creation/Modification in RJSC over assets of clients. Facing Audit inspection (Internal & External) and comply with require demands with in time. Create loan accounts in system and proceeds For final stage of disbursement Take part in various financial transaction  Archive the disbursed file within 10th of each month Show less

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  LankaBangla Finance Ltd

  May 2017 - Feb 2019

  Senior Officer- Credit Risk Management

   Periodic review and analyze consumer investment proposals (Auto Finance, Personal Finance, Credit Card and especially Home Finance) as per Product Program Guideline (PPG) and forward it for approval. Managing credit risk with broad experiences in all aspect of Retail Financing especially in mortgage based home loan-credit appraisal. SWOT analysis to find out strengths and weaknesses.  Physically verified the Business status of clients to find out the merit of the business. Conducting site visits and measured the actual valuation of the project/property to be financed. Cost estimation for construction finance Prudentially checked and measured to find out fraudulent and substandard applications. Preparing investment memorandum for the Board of Directors for investment facilities beyond the approval limit of the Local Investment Committee. Analyzed and highlight credit and operational risks and furnish continuous feedback on key characteristics to Senior Management. Coordinating with Credit Operations for smooth disbursement of investment proposals Maintain SLS (Service Level Standard) consistently above agreed levels. Train, guide and follow up team members (Credit Analysts) for timely delivery of all proposals with accuracy. Prepared various monthly / quarterly reports for the Management. Have Sound knowledge in Banking / Financial Sector and the regulatory issues. Tried to collect update information about the Local Industry/Market dynamics. Overall knowledge of contemporary economic prevailing in the country Show less

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  DBH Finance PLC.

  Mar 2019 - now

  Branch Manager

   Evaluate existing business processes and improvements as per market demand. Implement new techniques achieve business goals and develop action plans to overcome business challenges. Identify new business opportunities for branch growth. Monitor and achieve sales targets, developing a business plan for the branch. Organize training programs for Branch staff in order to update their job knowledge, enhance their productivity and to archive branch and company’s goal. To manage credit risk with broad experiences in all aspect of Retail Financing especially in mortgage based home loan-credit appraisal & assessment of business enterprises. Initially review and analyze all investment proposals and forward it for approval. To communicate with customers and potential customers for sales opportunities and implementing business, marketing and sales plan. Organize training programs for Branch staff in order to update their job knowledge, enhance their productivity and to archive branch and company’s goal. Oversee the all operational activities (loan and deposit) of the branch with maintaining high level of professionalism Coordinate and assist regulatory and other audits. Show less