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Principal Officer Al-Arafah Islami Bank Limited Mirpur Circle-10 Branch 27, Dewan Mansion (1st Floor) Mirpur-10, Dhaka. Mobile: 01711-243407; 01911-613477 (alternative) Phone: 9000391-Ext 104, 9011766-Ext 104 Email: Professional-Summary: Principal Officer- Al Arafah Islami Bank Limited, Credit In Charge, 1 year Senior Executive Officer - Al Arafah Islami Bank Limited, Credit Department, 2 years Management Trainee Officer - Al Arafah Islami Bank Limited, General Manager 1 year 2 Months Professional Attachments: Member of MBM Alumni Society (BIBM). Member of SUST Business Alumni. Member of BIMS (Bangladesh Institute of Management Studies) Alumni.

Professional Experience: Serving as Principal Officer & In Charge at the Credit/Investment Department of Al-Arafah Islami Bank Limited. Mirpur Circle-10 Branch, Mirpur, Dhaka. [01.07.2012 Till Date]. Major Duties: Preparing investment proposals. Ensuring Shariah compliance. Acting as the primary bank contact with borrowers. Initiating and ultimately owning all credit relationships of the bank. Maintaining thorough knowledge of borrower's business and industry through regular contact, factory / warehouse inspection etc. and proactively monitoring financial performance and account conduct of the borrowers Ensuring timely and accurate submission of Investment Applications for new proposals and annual reviews, taking into consideration of all requirements of investment assessment Seeking assistance / advice at the earliest from Head Office regarding the structuring of facilities, potential deterioration in accounts or for any investment related issues. Ensuring timely repayment/adjustment of all investment facilities with up to date profit/charges. Constantly monitoring account conduct and performance of the borrower and detecting any deterioration in borrower's financial standing and

a) b) c) d) e)

f) g)

h) i)

updating borrowers Risk Grade in a timely manner with the approval of Head Office. j) Ensuring compliance with banks investment policies, other internal policies and procedures and external regulatory requirements. k) Completing Investment Risk Grading of each obligor as per IRG manual and do everything in this respect in terms of IRG guideline and HO instruction. l) Communicating the borrower ahead of time as and when the installments become due. m) Maintaining files on investment limit expiry dates. n) To conduct financial analysis on a regular basis and monitor changes in the clients financial condition. o) Obtaining CIB report of the borrowers from Bangladesh Bank and review on periodical basis. p) Making calls /inspections on the borrower, their business establishment, factory, store, godowns, warehouses etc. regularly and documenting the same. q) Conducting regular inspection to ensure that banks security/collateral is secured. r) Monitoring regularly the performance of the clients as well as repayment and preparing a status report. Served as Senior Executive Officer in the Credit/Investment Department of Al-Arafah Islami Bank Limited. Mirpur Circle-10 Branch, Mouchak Branch, Moulvi Bazar Branch, Dhaka. [01.06.2010 30.06.2012]. Major Duties:

a) Preparing investment proposals. b) Completing all formalities and execution of all security documents as per terms of sanction. c) Ensuring safe keeping of all security /other documents. d) Maintaining control over all security documents. e) Giving clearance for disbursement of approved Investment facilities after ensuring that all terms and conditions of the approval has been met and security documents are in place and disbursement approval from Head Office Credit Administration Department has been obtained. f) Monitoring borrower's compliance with lending covenants and agreed terms and conditions. Exceptions are promptly referred to the Head Office and to the concerned RM for timely follow-up. g) Ensuring timely submission of statements, recording and sending the same to Head Office. h) Issuing clearance certificate about completion of documentation & compliance of covenants for renewal/ renewal with enhancement/ interim review proposals to the concerned RM. Served as Probationary Officer (MTO) in the General Banking Department of Al-Arafah Islami Bank Limited. Moulvi Bazar Branch, Dhaka. [01.03.2009 30.05.2010]. Major Duties: Account opening & closing. Issuing Cheque, P.O. & DD. Transferring cheques.

Served as Officer (Permanent) in the Consumer Banking Department of Eastern Bank Limited. Rajshahi Branch. [30.01.2008 22.02.2009]. Major Duties: Account opening & closing. Issuing Cheque, P.O. & DD. Transferring cheques. Preparing loan proposals, legal & charge documentation. GAP Owner. Served as Intern in the Finance Department of ACI Limited. ACI Centre 245, Tejgaon Industrial Area, Dhaka-1208. [01.07.2007 30.09.2007]

Academic Qualifications:

Master of Bank Management (MBM), 2012, CGPA 3.13/4.00, Bangladesh Institute of Bank Management (BIBM), National University. BBA (Finance), 2005 (Held in 2007), CGPA 3.55/4.00, Department of Business Administration Shahjalal University of Science & Technology, Sylhet (SUST). HSC (Business Studies), 2001, 1st Division (Star Marks) [9th Place in order of Merit of Board] Comilla Board. SSC (Business Studies), 1999, 1st Division (Star Marks) Comilla Board.

Other Academic Qualifications: Chartered Secretaryship (Level-1 Continuing) Institute of Chartered Secretary of Bangladesh (ICSB), Dhaka. Diploma in Human Resource Management (HRM), Result: Merit Bangladesh Institute of Management Studies, Dhaka (BIMS) 2009.

Research Activities: Prepared a research monograph on Dissertation on SME Finance: Demand Side Problems as a requirement of MBM Course Final Examination of BIBM.

Training & Courses Attended: Basic Banking Foundation Course Eastern Bank Limited & BIM. [19.10.2008-23.10.2008]. Foundation Course on Banking Al Arafah Islami Bank Training Institute. [03.03.2009-09.04.2009]. Workshop on Investment Classifications & Provisioning - Al Arafah Islami Bank Training Institute. [25.09.2009].

Training on Financial Risk Management IFC, SEDF & DCCI. [05.08.2006-07.08.2006]. Training on Entrepreneurship Development Management IBA, DU. [10.08.2006-12.08.2006]. and Business

English Language Proficiency Certificate Course Dept. of English, SUST. [October, 2006-April, 2007].

Scholastic Achievements: Obtained Comilla Board Scholarship for being 9 th in order of Merit in HSC, 2001. Obtained Chandpur Zila Parishad Scholarship for being 9 th in order of Merit in HSC, 2001. Obtained Comilla Board Scholarship for obtaining star marks in SSC Exam, 1999. Obtained Chandpur Zila Parishad Scholarship for obtaining star marks in SSC Exam, 1999.

Extra-Curricular Activities: Served as JCO of BNCC in school level. Winner of Art Competition organized by Rotary Club, Chandpur. Winner of Science Fair at school level. Participated in many debates, cultural programs and quiz competitions in varsity level.

Computer Skills: Application Software: MS Office- Word, Excel, Power Point etc. Internet: Browsing, E-mail, Downloading etc.

Personal Information Father Mother Permanent Address Date of Birth Nationality Religion Name of the Referees To be furnished upon request.

Professor Md. Sadequr Rahman Begum Taslima Nazneen Kachua, Chandpur May 01, 1982 Bangladeshi Islam

Arafat Ahmad Rahman