Summary
Overview
Work History
Education
Skills
Accomplishments
Totalworkingexperience
Othercapacities
Mailingaddress
Personal Information
Hobbies and Interests
Training
Internship
Affiliations
Certification
Additional Information
Languages
Timeline
Generic
Md. Jobairul Hoque

Md. Jobairul Hoque

Pakuranga,New Zealand

Summary

To work in a globally competitive Banking environment on challenging assignments that shall yield the twin benefits of the job satisfaction and a steady-paced professional growth.

Objective [Industry] leader with demonstrated success leading financial systems and programs. Knowledgeable about regulatory requirements and successful strategies for maintaining optimal controls. Well-organized, proactive and adaptable to changing markets.

Dependable professional with extensive experience supporting executive level management including Chief Executive Officer and [Job title]. Respected for organizational and interpersonal aptitudes, implementation of strategic initiatives, special project management and results-focused interactions across organization. Strategic in implementing and monitoring progress of important initiatives and actions plans.

Overview

16
16
years of professional experience
1
1
Certification

Work History

Assistant Vice President of Credit and Recovery

One Bank PLC
12.2021 - 09.2024
  • Worked as Senior Relationship Manager (functional designation) and collaborate closely with executive leadership to align department goals with overall Bank objectives, resulting in stronger organizational cohesion.
  • Fostered strong relationships with classified corporate borrowers by regularly following up them to maximize loan recovery from those borrowers' account.
  • Regularly communicated with those delinquent corporate borrowers through visiting their business place, residence, factory etc., issued communication letters, try to found out their issue(s) and escalate the same to division head for perusal and decision.
  • Prepared credit proposals related with rescheduling and settlement on the ground of all risk factors in line with credit policy, guidelines, circulars, etc.
  • Contributed to reduce Non Performing Loan (NPL) portfolio of the bank and work towards achievement of divisional target through recovery and rescheduling those accounts.
  • Attended board, committee and team meetings and took meeting minutes to create detailed records of various meetings and decisions.
  • Contributed to the income of the bank through regular interest income from rescheduled accounts, transfer of interest suspense to income by way of settlement or rescheduling, recovery from written-off accounts and release of provision by rescheduling and recovery.
  • Coordinated with internal & external legal counsel in dealing with classified accounts to ensure implementation of best legal strategies.
  • Initiated legal action against the classified borrowers who are unwilling to pay and follow-up the suits/cases.
  • Increased efficiency by streamlining processes and contributed to major administrative initiatives, policies and decisions and improved overall performance metrics.

Senior Executive Officer

The City Bank Limited
01.2020 - 12.2021
  • Worked as Risk Manager in Credit Risk Management Department in Head Office of the Bank.
  • Assessed fresh credit proposals of relevant Bank's branches with proper loan structuring, business & financial analysis and risk mitigations for onward recommendation to the competent authority
  • Regularly visited borrower’s premises and interviewing borrower regarding credit Loan requirement and conducted comprehensive risk assessments of borrower's project to ensure operational stability during periods of change or uncertainty.
  • Managed a diverse portfolio of borrowers' projects, ensuring that each project met established quality standards and delivered expected results on time.
  • Submitted informative & analytical memos complying bank’s policies, credit & regulatory guidelines & instructions and Bangladesh Bank guidelines & circulars etc.
  • Monitored the movement of credit portfolio quality & delivered exceptional customer service, fostering long-term relationships with borrowers and stakeholders.
  • Drove continuous improvement efforts by conducting thorough evaluations of existing processes and recommending actionable steps for enhancement.
  • Monitored past due, expiry management, accounts flagging for fund diversion and suspicious transaction, financial performance and account conduct of the borrowers.
  • Monitored of Early Alert & delinquent asset accounts within assigned portfolio to make the bank’s balance sheet sound & healthy.
  • Established performance metrics to monitor progress toward organizational goals and objectives.
  • Influenced company culture positively by demonstrating strong leadership qualities and embracing diversity in the workplace.
  • Streamlined communication channels between departments for improved collaboration and decision-making efficiency.
  • Mentored and developed junior staff members for optimal performance and career progression.

Senior Executive Officer

National Bank Limited
05.2014 - 05.2016
  • Worked as Relationship Manager in a Branch of the Bank.
  • Established and maintained strong relationships with borrowers, Head office and strategic partners.
  • Prepared & assessed fresh credit proposals for onward recommendation to the approval authority.
  • Made credit decision through analysis of the projected financials using financial tools viz Pay Back period, NPV, IRR & other capital budgeting techniques like sensitivity analysis & scenario analysis.
  • Analysed Internal Credit Risk Rating System from Borrowers' financial, history and performance.
  • Prepared related statements and reported to Head Office & Bangladesh bank.
  • Carried out other related day to day jobs as and when necessary.
  • Established performance metrics of the Branch to monitor progress toward organizational Head office goals and objectives.
  • Maximized revenue generation by optimizing pricing strategies and product offerings based on market trends analysis.
  • Developed strategic partnerships with key industry players such as borrowers, other departments, central bank and etc. resulting in mutually beneficial collaborations.
  • Streamlined communication channels between departments for improved collaboration and decision-making efficiency.
  • Mentored and developed junior staff members for optimal performance and career progression.

Executive Officer

National Bank Ltd
11.2011 - 04.2014
  • Acted as in-charge of EDF L/C’s settlement & BTB L/C’s import payment
  • Acted as in-charge of Bangladesh Bank Return sections of export department
  • Scrutiny, lodgment and retirement of BTB L/C’s& EDF L/C’simport documents
  • Dealing with Export Development Fund (EDF) Loan
  • Settlement & payment of bills against BTB L/C& EDF L/C’s
  • Issuance of BTB L/C and processing L/C proposals
  • L/C Advising, Transfer of L/C
  • Purchase export documents by borrowing fund from Off-shore Banking Unit (OBU)
  • Allowing packing credits
  • Preparation & compliance all kinds of Audit report of Export Department

Probationary Officer

National Bank Ltd
11.2010 - 11.2011

Intern

Industrial and Infrastructure Development Finance Company (IIDFC) Limited
10.2008 - 02.2009

Education

MBA - Banking

University of Dhaka
01.2012

BBA - Finance

North South University
01.2009

H.S.C - Science

Govt. Science College, Dhaka
01.2003

S.S.C - Science

Motijheel Model High School & College
01.2001

Skills

  • Decision Making & Judgment
  • Negotiation
  • Risk Management
  • Effective relationship building
  • Business & Strategic Planning
  • Department Policies & Procedure Implementation
  • Policy compliance
  • Business Development
  • Financial analysis and planning
  • Scheduling
  • Memoranda writing
  • Teamwork and Collaboration
  • Client Account Management
  • Decision-Making
  • Customer Relations
  • Goal Setting
  • Relationship Building

Accomplishments

· Have a sound knowledge in General Banking as well as Trade Services & Operations

· Results-driven achiever and effective team leader with exceptional interpersonal skills.

· Exceptionally motivated self-starter and creative problem-solver who works hard and loves challenges.

· Highly flexible and adaptable performer; adapt at multi-tasking and thriving in a fast-paced environment while coordinating numerous time-sensitive projects.

· Capable to work under immense pressure and in a challenging work environment.

Always keen to take on responsibility and possess strong leadership qualities.

Totalworkingexperience

13 years 10 months

Othercapacities

Completed Banking Diploma Part – 1 successfully., Have a sound knowledge in General Banking as well as Trade Services & Operations, Results-driven achiever and effective team leader with exceptional interpersonal skills., Exceptionally motivated self-starter and creative problem-solver who works hard and loves challenges., Highly flexible and adaptable performer; adapt at multi-tasking and thriving in a fast-paced environment while coordinating numerous time-sensitive projects., Capable to work under immense pressure and in a challenging work environment., Always keen to take on responsibility and possess strong leadership qualities., Microsoft Office, SPSS, Adobe Photoshop, Internet Browsing and e-mailing, Excellent reading, writing and speaking skill in English and Bengali, Basic knowledge in Hindi

Mailingaddress

14 Challinor Street, Pakuranga, Auckland, 2010

Personal Information

  • Date of Birth: 12/01/86
  • Nationality: Bangladeshi
  • Marital Status: Married
  • Religion: Islam

Hobbies and Interests

  • Playing Football
  • Cricket
  • Watching movies

Training

  • Foundation Course for the Probationary Officers, National Bank Training Institute (NBTI), New Eskaton, Dhaka, 05/05/11, 06/19/11
  • Regulation of Foreign Trade & Foreign Exchange, National Bank Training Institute (NBTI), New Eskaton, Dhaka, 04/06/15, 04/09/15
  • Advance Credit Analysis, The City Bank Training Institute, Gulshan, Dhaka, 10/07/16, 10/08/16
  • Working Capital Financing: Case Based Analysis, Bangladesh Institute of Bank Management (BIBM), Mirpur, Dhaka, 11/05/16, 11/05/16
  • Credit Risk Management, Bangladesh Bank Training Academy (BBTA), Mirpur, Dhaka, 01/08/19, 01/10/19

Internship

Industrial and Infrastructure Development Finance Company (IIDFC) Limited, Corporate Finance Department, 10/12/08, 02/12/09

Affiliations

  • Bank

Certification

JAIBB

Additional Information

Professional Training:


· Foundation Course for the Probationary Officers

Institution: National Bank Training Institute (NBTI), New Eskaton, Dhaka.

Duration: From May 05, 2011 to June 19, 2011 (30 working days).

· Regulation of Foreign Trade & Foreign Exchange

Institution: National Bank Training Institute (NBTI), New Eskaton, Dhaka.

Duration: From April 06, 2015 to April 09, 2015 (04 working days).

· Advance Credit Analysis

Institution: The City Bank Training Institute, Gulshan, Dhaka.

Duration: From October 07, 2016 to October 08, 2016 (02 working days).

· Working Capital Financing: Case Based Analysis

Institution: Bangladesh Institute of Bank Management (BIBM), Mirpur, Dhaka.

Duration: November 05, 2016 (01 working day).

· Credit Risk Management

Institution: Bangladesh Bank Training Academy (BBTA), Mirpur, Dhaka.

Duration: From January 08, 2019 to January 10, 2019 (03 working days).

Languages

English
Professional Working
Bengali
Native or Bilingual

Timeline

Assistant Vice President of Credit and Recovery

One Bank PLC
12.2021 - 09.2024

Senior Executive Officer

The City Bank Limited
01.2020 - 12.2021

Senior Executive Officer

National Bank Limited
05.2014 - 05.2016

Executive Officer

National Bank Ltd
11.2011 - 04.2014

Probationary Officer

National Bank Ltd
11.2010 - 11.2011

Intern

Industrial and Infrastructure Development Finance Company (IIDFC) Limited
10.2008 - 02.2009

BBA - Finance

North South University

H.S.C - Science

Govt. Science College, Dhaka

S.S.C - Science

Motijheel Model High School & College

MBA - Banking

University of Dhaka

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Md. Jobairul Hoque