Md Nahidul Islam

Team Member                                                                       02/2023 – till date

Tim Hortons | Full-time (Permanent)|1208 Dundas Street | Whitby

• Greeting customers in a warm, friendly, and professional manner and engaging them in pleasant conversation.
• Delivering consistent and outstanding service through a friendly attitude, attentive behavior, and strong product knowledge.
• Collaborating with team members to ensure timely and efficient service and following food safety and sanitation guidelines to maintain a clean and safe work environment.
• Handling challenging customers professionally and calmly to resolve their complaints in accordance with the restaurant's policy and working cohesively in a team environment.
• Preparing and baking a variety of baked goods such as donuts, muffins, and pastries according to company recipes and standards.
• Monitoring fridge and freezer products, inventory levels and submitting order quantities of ingredients as needed to ensure adequate supplies for daily operations.
• Maintaining accurate records of production and waste to track performance and minimize waste.

Assistant Manager - Credit                                                   01/2021 – 11/2022

Prime Bank Limited | Dhaka | Bangladesh

• As an Assistant Manager - Credit, was responsible for looking after a credit lending portfolio of around 180 million USD both in funded and non-funded forms.
• Managed a portfolio of over 800 accounts and analyzed prospective borrowers to select the best customer for banks and minimized the risk of the loan portfolio.
• Assessed significant credit risk and established/recommended credit limits in accordance with existing credit lines along with the bank’s policy and guidelines.
• Prepared different credit proposals for renewal and fresh financing purposes and approved credits within delegated credit limits or placed to the bank's credit sanction authorization committee for approval.
• Attended the meeting with the credit committee at head office as required and fulfilled their further queries regarding the prospective loan proposal of highly sensitive clients.
• Worked directly with the leadership team and management committee on ad hoc projects/initiatives to maximize the bank’s profitability and revenue-earning capabilities.
• Participated effectively in the management level meeting to contribute knowledge and skills to assist with decision-making of innovative proposals and forthcoming projects.
• Reviewed of both performing and non-performing loan exposures on quarterly basis to minimize bad loans and financial losses as well as write off credit lending.
• Drafted various correspondence letters both for internal and external purposes to ensure compliance of the bank policy according to the central bank’s (Bangladesh Bank) guidelines and other regulatory bodies.
• Kept current knowledge about the regulatory compliance changes, time to time circular from the government and central bank, compliance regarding legal and regulatory environment regarding updated changes of Banking & Finance industry.

Credit Analyst                                                                         10/2019 – 12/2020

Prime Bank Limited | Dhaka | Bangladesh

• Analyzed qualitative and quantitative data, tax returns, and audited financial statements to determine the degree of risk involved in extending credit to current and potential borrowers for short- and long-term financing. 
• Communicated with borrowers to gather additional financial information to evaluate their creditworthiness and prepared a comprehensive credit report summarizing their financial information and assessed credit risks. 
• Collected and analyzed customer’s previous credit history from Credit Information Bureau (CIB)from the Central Bank (Bangladesh Bank) to determine further risk involved in lending money to already leveraged customers.
• Before making any credit decisions in favor of any client, generated, and produced Internal Credit Risk Grading (CRG) for each possible client, according to the central bank’s guideline.
• Conducted industry and market research to stay up to date on economic conditions and trends to make recommendations to senior management regarding credit limits, risk levels, and loan restructuring. 
• Contacted and communicated effectively with debtors by phone to negotiate and implement debt recovery plans and prevented repeated payment negligence by working out practical debt payments with bad loans customers.
• Justified, decided, and recommended the appropriate credit line required by the credit client to ensure maximum utilization of the bank's investment.
• Prepared and inquired about KYC of the borrowers & guarantors and reconciled monthly liability position of the bank's portfolio and customer’s overdue statements. 
• Prevented write-offs by negotiating successful buyouts and payment plans with delinquent clients. 
• Sustained low credit processing time while protecting the company from higher risk and decreased company risk exposure by reviewing client portfolio every six months. 

Personal Banking Associate | Customer Experience  10/2018 – 09/2019

Prime Bank Limited | Dhaka | Bangladesh

• Dealt with customers about their continuous banking needs, service transactions, digital banking service and execution, and customer problem resolution related to banking solutions.
• Supported daily operational activities (e.g., opening bank accounts, escalated service requests, following up on customer applications, filing, opening, and closing activities.
• Helped customers to use digital banking products by educating them on mobile, ATM, and online banking.
• Receipt of different requisitions, for instance, new cheque books, credit card PIN issue and loss, different value-added services and delivering on time.
• Listened to the customers’ queries and provide them with the required support or refer to the related desks.
• Executed routine tasks (e.g., service requests, transactions, queries, etc.) within relevant service level agreements and processed money, cheques, and credit/debit card payments over the counter.
• Received and collected different government and semi-government fees and clearing vouchers and maintain cash register, cheque book register, key register, vault register and others.
• Reached out to potential customers to generate new business and present financial products and services to existing and prospective customers. 
• Helped the customers with tasks such as resolving account issues, putting in special account instructions, making wire and telephone transfers, and handling stop payments.

Executive – Mortgage Specialist                                          01/2018 – 09/2018

Delta Brac Housing Finance Corporation Limited | Dhaka | Bangladesh

• Assessed borrower eligibility for mortgage loans by examining mortgage applications and supporting documents to make sure lending policies and procedures are followed.
• Examined mortgage application materials for quality, accuracy, and completeness to verify information on income, employment, and debt-to-income ratio and made proposals with compliance with regulatory requirements, operational & credit policies.
• Identified and assessed clients’ needs to create effective tactics, and generated appropriate mortgage financing offers to achieve desired target results.
• Created recommendations and developed solutions based on rigorous understanding of the business strategy and the demands of the stakeholders.
• Analyzed business documents and visited client’s home and business places to determine due diligence and compliance to make recommendations for internal financing and closure.
• Proactively reached out to real estate agents and referral sources to initiate client and agent dialogues and market real estate lending and insurance products that support the bank's goals for mortgage growth and profitability.
• Developed and maintained a lasting business relationship with market intermediaries: real estate agencies, real estate brokers, and developers.
• Performed periodic reviews to maintain compliance with internal policy and negotiated credit limits and the signing of personal guaranties with key high-profile customers.
• Adapted best practices to accommodate clients, set appropriate credit terms and conditions to ensure meeting deadlines for highly visibility account titles.
• Assessed progress on implemented goals, evaluated the completion of tasks, and worked on all specific projects which produced a reduction in receivables over 60 days by more than 20 percent.

Mortgage Specialist                                                              02/2016 – 12/2017

Delta Brac Housing Finance Corporation Limited | Dhaka | Bangladesh

• Greeted and welcomed each customer who entered the office, displaying a thorough understanding of the financial products and services and presenting them to the customers with confidence.
• Assessed borrower eligibility for mortgage loans by examining mortgage applications and supporting documents to make sure lending policies and procedures are followed.
• Examined credit reports, property assessments, and borrower financial information to assess loan risk and suggest loan approval.
• Successfully handled a lot of incoming and outgoing calls from potential loan clients and responded to questions from walk-in clients on loan products and their features.
• Checked client profiles, talked with clients based on their needs to determine prospective opportunities, and addressed financial investment plans and suitable financing requirements.
• Prepared various kinds of (especially land and apartment-related) deeds and agreements relating to the property transfer and mortgage & in due course registration of the same with the Sub-Registrar Office.
• Developed a loyal client base by providing exceptional mortgage advice and financial solutions. 
• Entry and receiving of client's requests, keep record to client's particular files and help relationship manager regarding processing.

Associate Lawyer                                                                 04/2014 – 01/2016

Azad & Company | Law Firm | Dhaka | Bangladesh

• Interacted and conducted initial meetings with the clients, took down details, received documents, kept in touch with clients, and followed up for further steps.
• Directly worked with the bank’s credit analysts to prepare relevant loan documents upon reviewing clients’ credit history and land-related documents. 
• Worked with the members of the bank management to launch new products, i.e., Gold Mortgage etc.
• Checked and reviewed terms and conditions of bad credit loans, consumer proposals and business plans. 
• Prepared various kinds of (especially land and apartment-related) deeds and agreements relating to the property transfer and mortgage & in due course registration of the same with the Sub-Registrar Office.
• Vetted different sorts of land-related documents and reviewed loan & security documents of the classified borrower of Banks, leasing companies, and other financial institutions.

Organizing and tracking files for important transactions or case documents, including pleadings and voluminous discovery documents; creating and maintaining a case-management database.

Master of Law (LL.M.)                                                                                                  06/2014

Faculty of Law | University of Chittagong

Chittagong | Bangladesh

Bachelor of Law (LL.B.)                                                                                                    03/2013

Faculty of Law | University of Chittagong

Chittagong | Bangladesh