Customer Relationship Import Export

Newton Chowdhury

Georgia, USA. Cells: 1-470-***-****. Email: *********@*****.***

Highly dynamic Banking Specialist adept in Corporate, SME, and Retail customer relationship for long 21 years. Having 2 years’ experience in handling import/export business of ready-made garments industry in Bangladesh. KEY PROFECIENCIES

Sound ability of customer relationship.

Managing import/export business of ready-made garments

Detail orientation and ability to handle situations.

Collaborate with team and outside the organization. PROFESSIONAL EXPERIENCE

Manager, Commercial (Import & Export)

Clifton Group

[one of the leading Garment & Textile Company in Ready Made Garment (RMG) industry of Bangladesh] August 2022- March 2024

Responsibilities:

Processing month-wise import & export data of different RMG units.

Responsible for finalizing sales data each month and submitting quarterly reports to management.

Assisting Top management with questions regarding issues and data related error.

Set up and training to new employees and other RMG related workshops.

Assisting Finance department for Bank reconciliation. Senior Corporate Relationship Manager

ONE Bank PLC, Chattogram, Bangladesh

April 2013-July 2022

Responsibilities:

Preparing and submitting Credit Proposals i.e. Call Report, CM, TM, Memo etc for fresh approvals and annual review.

Preparing and arranging execution of loan documentation in coordination with Loan Administration. Preparation of Sanction Advice and finally arrangement for disbursement.

Maintaining in-depth and updated information of borrower’s business and industry through undertaking regular contact, meeting, visit, factory/warehouse inspection etc.

Initiating and ultimately owning all lending relationships.

Financial Report analysis, Obtaining and analyzing CIB Report, Credit Risk Grading etc.

Monitoring of Borrower’s compliance of lending covenants and agreed terms and conditions.

Regular follow up with the client for maximum utilization of credit limits, incremental business, settlement of loans on stipulated time, obtaining stock report, insurance etc.

Responsible for making arrangement for obtaining and providing client’s information, papers, documents to various departments of the Bank for monitoring account conduct and performance of the borrower continuously to protect bank interest and continuously follow-up with the client to meet the compliance issues related the relationship.

Monitoring past-due accounts, excess over limits for recovery of expired facilities. Analyze loan portfolio on a timely basis & to monitor risk and loan quality, take timely corrective actions to eliminate or minimize exposure on Non Performing loans. Determining recovery plan /recovery strategy for accounts with sustained deterioration. Working with CRM on regularizing /recovery strategy of early alert /stressed accounts. Ensuring timely recovery of all advances along with interest.

Ensuring compliance of internal policies and procedures, external regulatory requirements and recommendations of audit – internal and external.

Perceive and explore business opportunities and ensure the enhancement of the bank’s image through extensive business and personal contacts. In-charge of Offshore Banking Unit(OBU)

State Bank of India, Chattogram, Bangladesh

September 2010- March 2013

Responsibilities:

Manage independently Add Confirmation,

Foreign Bill Discounting,

Fund Requisition,

Borrow Fund from Treasury and Borrow Foreign Fund from Banks outside the Country,

Handle the EPZ Customers, Business Development

any other works related to OBU

Junior officer for Trade Finance department

State Bank of India, Dhaka, Bangladesh

January 2004-August 2010

Responsibilities:

a. Import Section

L/C opening, documentation, and transmission

Import bill scrutiny, Lodgment, retirement

Acceptance of Back to Back deferred L/C and Payment on due date

Issuing Shipping Guarantee, Issuing NOC for releasing goods

Bangladesh Bank permission related issue

b. Export Section

Export bill negotiation

Export bill sent for collection and realization

Certification of EXP

Issuance of Proceed realization certificate (PRC)

Local bill discounting

Export L/C Advising and transfer

c. Maintenance of Master Export L/C in case of BTB L/C and their timely payment. Sales Executive [Team Leader]

Standard Chartered Bank, Dhaka, Bangladesh

February 2000-December 2003

Responsibilities:

Loan Proposal

Retail Loan

Car Loan

Housing Loan

Secured Loan

ACCOUNTING AND COMPUTER SOFTWARE

Microsoft Office

Internet Browsing

EDUCATION

Masters in Business Administration (MBA), [Major: Finance & Banking], Southerrn University, Chattogram, Bangladesh.

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