Nurul Rafi, PhD

Experience

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  Standard Chartered Bank

  May 2010 - Oct 2010

  Officer, Loan Operations

  • Looked after the disbursement of Mortgage Loan and LAP (Loan against Property- Business loan) under the supervision of the manager.• Documented and processed several prior and post disbursement activities (including eligibility-check, loan adjustments and closures).

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  Credit Rating Agency of Bangladesh Limited

  Mar 2011 - May 2011

  Junior Financial Analyst

  • Analyzed financial position and performance of a number of companies to assign credit rating.• Interviewed top officials of a number of companies in the textile, real estate and automobile industries to gather information to perform credit rating analysis.

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  Real Client Managed Portfolio, Finance, University of Illinois at Urbana-Champaign

  Jan 2012 - May 2012

  Student Investment Manager

  • Analyzed industry and market trends to identify prime opportunities for investing the $300,000 endowment Fund.• Selected on a competitive basis as one of the twenty analysts responsible for various sectors of the S&P 500.• Performed Fundamental bottom-up research, Financial Modeling including DCF, comparable company analysis to screen names for investment recommendations for the fund.• Produced comprehensive reports and sound recommendations regarding investment strategies.

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  Lincoln Financial Group

  Aug 2012 - May 2013

  Business Analyst

  • Analyzed data, created data dictionary, and performed gap analysis between the data warehouse and the existing datasets to find out the required changes in and additions to data.• Analyzed business requirements for various internal reports regarding loans, fees, assets, rewards, bonus, transactions etc. at plan, participant and fund level of retirement plan services. • Created and analyzed business requirements for data reconciliation between the production data source and reporting data store. Show less

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  Louisiana State University

  Aug 2013 - May 2018

  Graduate Assistant

  • Extracted data on company financials, stock price information, residential mortgage loans, and mortgage backed securities from various databases, and using SQL and SAS, analyzed them to perform empirical research. • Taught courses in corporate finance and worked as a teaching assistant for other professors.• Presented research work in finance conferences (e.g., Financial Management Association and Southwestern Finance Association annual meetings, 2018).

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  West Texas A&M University

  Aug 2018 - Jan 2023

  Assistant Professor of Finance

  • Teach courses in corporate finance, financial management, financial analysis using Microsoft Excel, and bank management to both undergraduate and graduate students.• Develop and assign course projects on financial statement analysis, capital investment valuation, stock valuation, and other topics in Finance using real world data.• Do empirical research on various topics in corporate finance and real estate finance.• Advise students, serve in university committees, and perform various departmental duties. Show less

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  Herring Bank

  Jan 2023 - now

  • Lead the budgeting process for a $500 million asset sized bank.• Present economic outlook and IRR models to ALCO and discuss the ways to manage balance sheet following board/committee recommendations.• Conduct analysis and prepare ad-hoc reports on project/product profitability, bank vs. peer group performance, and interest and noninterest income and expenses.• Manage the Accounting & Finance Department in the absence of CFO.• Monitor the liquidity level and manage the deposits and loan balances accordingly.• Monitor the interest rate risk level and analyze ways to mitigate interest rate risk.• Analyze investment opportunities and make investment decisions based on investment return and the bank’s target level of interest rate sensitivity.• Manage the adoption of new CECL module for ACL calculation.• Prepare the weekly Cash flow projections for the holding company and send them to the Federal Reserve.• Prepare intercompany invoices and present them to the Regulation W committee.• Continue the duties performed as Jr. Chief Financial Officer. Show less • Create annual budgets for the bank, its branches, and products with forecasts on assets, liabilities, interest income, interest expense, noninterest income, and noninterest expenses and present the bank budget to the board of directors.• Prepare and compile parts of the financial packet for monthly board meetings, and present them to the board of directors • Contribute to the bank strategic plan with 3-year financial forecasts.• Design and implement product level financial reporting for different types of loans and deposits, and the noninterest products of the bank.• Conduct variance analysis identifying key financial drivers, and communicate the results to the senior management.• Forecast the trust financials and communicate the results to the trust committee.• Participate in the CECL meetings to calculate and periodically review ACL Show less

  • Senior Vice President of Finance & Accounting

    Jul 2024 - now

  • Junior Chief Financial Officer

    Jan 2023 - Jun 2024