Taybul Hasan

Experience

• 

  AB Bank Ltd

  May 2013 - May 2015

  Management Trainee Officer (MTO)

  • Foreign Exchange & Trade Services, Agrabad Branch, Chittagong, ABBL [Oct’ 2014 to Aug, 2015]• Credit (Investment) Section, Garden Tower Branch, Sylhet, ABBL [Jan’ 2014 to Oct’ 2014]• General Banking Practices, Dhanmondi Branch, Dhaka, ABBL [May, 2013 to Jan’ 2014]

• 

  AB Bank Ltd

  Aug 2015 - Oct 2022

  • Completed Risk Reports and ICAAP (assessment of Pillar-II capital under Basel Accord III) and executed related tasks.• Developed of Risk Appetite Statements (RAS) and Management Action Triggers (MAT) and supported appetite and trigger review process.• Conducted stress testing and prepared quarterly regulatory Reports • Key author in revision process of related policies and guidelines as per directives of competent authorities including the management, board and central bank.• Set agendas on RMD related issues and prepared formal memoranda for review and approval of the board level risk committee.• Coordinated presentations and ensured all necessary preparation on RMD issues for different meetings – Executive Risk Management Committee (ERMC), Supervisory Review Process (SRP of Pillar-II, Basel Accord), and Board Risk Management Committee.• Maintained accuracy of records by taking regular meeting minutes of ERMC, SRP Team, BU of the bank and yearly SRP-SREP Dialogue.• Facilitated compliance to audit observation on RMD made by internal and external audit teams (central bank). Coordinated amongst departments to ensure compliance on observation made by central bank in half-yearly Risk Ratings of the bank.• Led the development of risk-based pricing model, concentration indices and other models for risk assessment and analysis purposes.• Executed different assignments/tasks related to Six Core Risk Desks (Credit, Compliance, Foreign Exchange, Asset-Liability, IT, Anti-Money Laundering) maintained at RMD. Show less • Developed credit memoranda with meticulous due diligence, ensuring timely and precise completion for new proposals and annual renewals, in strict adherence to the bank’s credit assessment policies and regulatory guidelines.• Scrutinized clients' financial health and repayment capacity by calculating CRGS (Credit Risk Grading Score, later ICRRS), preparing FSS, and analyzing Financial Statement, sales trend and stock level, Credit Information Bureau (CIB) and Environmental Risk Rating on demand and regular basis.• Conducted in-depth analysis of the credit portfolio encompassing diverse industries such as Ready Made Garments (RMG), steel, ship breaking, commodity trading, and seafood, among others.• Obtained comprehensive insights into borrowers' businesses and industries through routine site visits, inspections of factories/warehouses, proactive monitoring of financial metrics, and evaluation of credit repayment patterns.• Maintained continuous contact with borrowers, other branches of the bank, Head Office, enlisted surveyors and others as needed. Show less • Issuance, amendment, lodgment and retirement of BTB (Back to Back) L/C and Import L/C. Advising, amendment and transfer of Export L/C.• Checked and scrutinized of shipping documents & informed about the discrepancies to parties and negotiated banks• Provided acceptance of deferred L/Cs.• Coordination with branch credit team regarding approval, tenor & interest rates.• Preparation of Statement, Reports for internal and regulatory authority and maintained all type of related correspondences. Show less

  • Senior Principal Officer, Risk Management Department (RMD)

    Aug 2020 - Oct 2022

  • Principal Officer, Risk Management Department, HO

    Jul 2017 - Jul 2020

  • Principal Officer & Relationship Officer (Credit Analyst)

    Jun 2016 - Jul 2017

  • Principal Officer, Foreign Trade Services

    Aug 2015 - Jun 2016
• 

  City Bank

  Oct 2022 - Jun 2023

  Assistant Vice President

  • Responsible for calibration, monitoring and analysis of loan portfolio quality for senior management and assisted implementation of corrective actions through appropriate authorities at enterprise level.• Active engagement with management in the process of setting Credit risk appetite, tolerance and limits for the various business lines.• Raised flag against risk tolerance, risk limit and appetite breaches and escalated to senior levels for compliance to appropriate authority.• Managed and tracked completion of regulatory reporting/queries pertaining to enterprise credit risk; included risk rating model automation projects and initiatives owing to synergies. Show less

• 

  AB Bank Limited

  Jul 2023 - now

  Assistant to Vice President

  • Key author for revision of related policies and guidelines as per directives of competent authorities including Board and regulators.• Analyzed Key Risk Indicators and presented findings to competent authorities while facilitating development of necessary measures. • Designed, calibrated and drove implementation of different Financial Models pertaining to various risks of the bank.• Liaised with independent internal audit, other intra alia department, as well as central bank.