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Abul Khayer Mohammed Zahirul Islam
13/B, North West Jatrabari, Dhaka-1204,
Phone- 7552067, Cell No.-01912 855590

Career Objective:
To contribute in an organization where I can integrate my knowledge and skills to provide value to that
organization and explore my potentials..

Work Experience:
Working as an Executive Officer (as Relationship Manager) in United Commercial Bank
Ltd., Head Office, SME Business Division from 1st January, 2014 to till now.
Worked as a Senior Officer (as Credit Analyst) in United Commercial Bank Ltd., Head
Office, SME Division (CRM) from 1st January, 2012 to 31th December, 2013.
Worked as an Officer (as Credit Analyst) in United Commercial Bank Ltd., Head Office,
SME Division (CRM) from 18th November, 2009 to 31th December, 2011.

Job Responsibilities as a Relationship Manager

Assist branches in creating primary contact with the borrower;
Coordinate in collecting credit application/Proposal from different branches for new
customer and annual reviews of existing customers.
Coordinate in developing customer base through marketing and business
development efforts, including cross selling to existing customer base.
Provide efficient services to the SME customers by liaison between clients and Bank
Ensure that credit quality is maintained and customer reviews are completed in timely
manner. Assist the Branch in periodical supervision to review the appropriate
implementation of the credit after disbursement.
Coordinate and assist the concerned Branch in preparing business proposal and
customize facility structure depending on the business need so that smooth operation
of business is ensured.
Ensure facility risk grades are accurate, and are changed in a timely manner as soon
as adverse information is known.
Follow up with customers to ensure the timely receipt of financial statements, loan
repayments and all documentary requirements of the Bank.
Seek assistant from CRM at the earliest if adverse trends in a customer's financial
position are note.
Supervise preparing of various MIS for Management, Board and Regulatory bodies;
Assist branches for compliance with internal operational procedures and regulatory
requirements, and that all internal and external audit recommendations are
Maintain continuous correspondence with SME customers and Make frequent visit to
the existing and prospective customers and prepare call reports.
Previous Job Responsibilities as a Credit Analyst

Assess risk, evaluate and process formal loan proposal related office note/credit memo and
EC/Board memo of the allocated Branches & submit before the approving authority.
Ensure that all approval related procedures are completed.
Liaise with Relationship Managers either at Branch or SME Center regarding the information
required to process loan proposal.
Prepare Sanction Advice.
Maintain Credit MIS.
Prepare & check CRG.
Review/revise risk grading of the customer from time to time based on the Collection Report
prepared by SME business team at Branch or SME Center.
Review Business Call Report as submitted by Relationship Managers through Branch.
Conduct periodic credit reviews on loan accounts held within Branch/SME Center to ensure
accounts are in order and as approved.
Develop and introduce new and innovative credit measures to improve quality of portfolio
such as negative checks, simplification of credit process to ensure workflow consistency
within credit approvals and high portfolio standards throughout SME financing.
Review the performance of the customer on Off-site Basis and prescribe appropriate remedial
measures, if required.
Supervise Women Entrepreneur financing.

Worked as a Group Leader in The City Bank Ltd. (Dhaka Chamber Service Center, SME
Banking Division) from 1st February, 2009 to 17th November.
Job Responsibilities -
* Meeting up own & group target.
* Chasing the group members for their target.
* Motivating them to their work.
* Giving them working guidelines.
* Building team man ship among team members.
* Preparing Proposal & teach members how to make proposal.
* Financial Analysis.
* Loan Disbursement
* Monitoring & EMI Collection.

Worked as a Loan Officer in Eastern Bank Ltd. (Shyamoli Sub Center, SME Banking
Division) from 4th November, 2007 to 31st January.
Job Responsibilities -
* Market Surveying
* Financial Analysis
* Preparing Proposal
* Loan Disbursement
* Monitoring & EMI Collection.

Professional Training:
Foundation Training Course at UCB Learning & Development Center, United
Commercial Bank Ltd, Gulshan, Dhaka from 29th January to 23rd February, 2012.
Training course on Entrepreneurship Development and SME Business at
Bangladesh Institute of Bank Management (BIBM), Mirpur, Dhaka from 2nd May to 5th
May, 2011.
Training course on Micro Finance and Financial Inclusion Organized by Bangladesh
Institute of Bank Management (BIBM) during May 16, 2010 to May 20, 2010.
Training on Induction to SME Banking at Eastern Bank Training Center,
Shantinagar, Dhaka on 13th February, 2008.
Academic Information:

M. Ed.
Discipline : Education
Department : IER
Institution : University of Dhaka
Year : 2003
Result : CGPA 3.14 (Out of 4)

B. Ed. (Hons.)
Discipline : Education
Department : IER
Institution : University of Dhaka
Year : 2001
Result : CGPA 2.98 (Out of 5)
Institution : Dhaka collage
Group : Commerce
Board : Dhaka
Passing Year : 1996
Result : 1st Division
Institution : Ideal School and College, Motijheel.
Group : Science
Board : Dhaka
Passing Year : 1994
Result : 1st Division

Computer Literacy:
Competent in computer software operation including MS word, MS excel MS access, power point and other
packages with satisfactory typing speed.

Language Proficiency:

Bengali (Native Language)

English (Read, Write & Speak)

Have good inter-personal skill

Optimistic, confident and self motivated
Quick learner and feedback oriented
Habituated with team work in achieving team objective.
Personal Information:

Date of Birth : January 01, 1979

Nationality : Bangladeshi by birth
Mothers Name : Mrs. Delowara Begum
Fathers Name : Late Hafizuddin
Marital Status : Married
Spouse Name : Nasrin Rahman Popy
Permanent Address : 13/B, North West Jatrabari, Dhaka-1204
Present Address : House # 17, Road No # 1, Block- B, Aftabnagar, Zahirul Islam City,
Rampura , Dhaka.

1. Md. Hafizul Ansary ,
General Manager
United Leasing Company.
Camelia House, 22,Kazi Nazrul Islam Avenue
Dhaka, Cell-01713482192

2. Md. Kamrujjaman, FAVP & HOB, Tanbazar Branch, Narayangonj.

Eastern Bank Ltd, Dilkusha, Dhaka.
Mobile- 01925993310