CURRICULUM VITAE

Edward Richard Rozario

**** ******* ****,

Silver Spring, MD 20903

Email: adj08w@r.postjobfree.com

Cell +1-301-***-****

PROFESSIONAL SUMMARY:

Long time work experience (27 years) in Operations and Customer Service Department of Banking industry in Bangladesh will add value to any Financial Institution especially in the Bank. My work experience includes Branch Banking, Consumer and Corporate Loan Documentations, that will help me to set up a smooth process and control as well as people management in the Credit Administration Department or any area in Operations. Thus, my first objective is to ensure mitigating operational risk and set up smooth process of workflow with check & balance and control & accuracy in day to days operations. However, I must try at my level best to discharge my duty successfully and add value if I get any opportunity to serve any financial institution or any operations area.

Name of Companv (Last worked): Eastern Bank Limited (EBL) Z N Tower, Bir Uttam Mir Shawkat Sarak, Plot No 2, Road No 8, Gulshan 1, Dhaka – 1212, Bangladesh. (I worked 2 months in District Photo Inc in Beltsville, Maryland, USA)

Last Position: Working as a Sr. Manager with job grade "Senior Assistant Vice President" since March 1, 2015 to 01.01.2020 in Credit Administration Department handled corporate loan documentation.

Career History with EBL: I started my career with EBL since June 30, 2008 as Manager with Job Grade "Assistant Vice President" and subsequently promoted to First Assistant Vice President with functional designation Sr. Manager in March 1, 2012 and further promoted to my present job grade (SAVP) since March 1, 2015 to 01.01.2020.

Key Responsibilities:

Issuance of Sanction Letter upon having Head Office (HO) approval and perform security documentation of all type of corporate credit facilities like single borrower and pari passu and involved with syndication loan documentation and follow up. ln addition to that, I had to provide data for MIS & Bangladesh Central Bank Reporting Team and made miscellaneous correspondence as part of my job role. Authorization of transaction as such disbursement and adjustment along with any fund transfer issue; Regular accumulation of covenants & conditions, checklist & deficiency and issuance of Security Satisfaction Certificate (SSC) and other related activities to Credit Risk Management.

Facing internal, external and Bangladesh Bank Audit on behalf of Credit Administration Department.

Name of Company (Previous): Standard Chartered Bank (SCB) 67, Gulshan Avenue, Gulshan, GPO Box 502, Dhaka-1215, Bangladesh. It was a British multinational Bank, where I was as-

Operational Risk Manager in Consumer Loan Operations > Since June 1, 2005 to June 29, 2008

Officer in Charge in Consumer Loan Operations > Since June 2, 2004 to May 30, 2005

Sr. Officer in Consumer Loan Operations > Since August 27, 2003 to May 30, 2004

Customer service Officer in Branch Banking > Since April 26, 1999 to August 25, 2003; February 11, 1998 to April 25, 1999 at SCB Dhanmondi Model Branch, Dhaka, Bangladesh.

Chief Cashier & Remittance Teller in Branch Banking > Since April 1,1993 to Feb.10, 1998 at SCB Banani Branch, Dhaka, Bangladesh.

Job Description in SCB:

# Cash Receipt and Payment as chief cashier

# Clearing check functions

# Local and foreign fund transfer

# Foreign currency sales and purchase

# Automated Teller Machine (ATM) Operations

# All type of correspondence inside and outside of country

# Foreign currency check purchase

# Reconciliation of Nostro & Vostro accounts

# Preparing the monthly Foreign Currency Return for SCB Dhanmondi Branch for submission to Bangladesh Bank.

# Consumer Loan operations products documentation, disbursement & adjustment (Money Builder, Planz, Cash Line Facility & Personal Loan, Staff Personal Loan & House Building Loan)

# Account opening

# Bangladesh Saving Certificate issuance & Fortnight Return to B. Bank

# Participation on integration process of SCB & ANZ merger

# Participation of acquisition process of SCB and Am Ex Bank

# Checking and monitoring all type of Consumer Loans in the System.

# Reporting monthly Key Risk Indicator (KRI).

# Checker of Key Control Standard (KCS) and report to Credit Risk Committee.

# Checker of Country Operational Risk Group (CORG) and report to higher authority.

# Facing audit of Central Bank and Group.

# Ensuring service quality by six Sigma

# Joint custodian of vault

# Identifying the risk on Consumer Loan Process as such as Mortgage Loan, Business Installment Loan, Consumer Personal Loan, Auto Loan, Islamic Finance & Secured Loan

EDUCATIONAL QUALIFICATION:

a. Master of Commerce from Jagannath University, Dhaka, year '1992 Sub: lndustrial Accounting, Marketing, Management, Accounting & Insurance

b. Bachelor of Commerce from Dhaka City College, Dhaka, year 1989

c. H.S.C from Notre Dame College, Dhaka, year 1987

d. S.S.C from St. Gregory's High School, Dhaka, year 1985

COMPUTER LITERACY:

Working under Banking software: BBS, eBBS & UBS

Personal Computer Literacy: MS Word and & Excel

PERSONAL INFORMATION:

FATHER'S NAME: Late Thomas Rozario

MOTHER'S NAME: Late Maria Rozario

MARITAL STATUS: Married (spouse name: Joel Zita Gonsalves)

DATE OF BIRTH: 16 Oct 1968

NOS. OF CHILDREN: Two sons namely Alex Vincent Rozario DOB: Apr 26, 1999 & Aldrin Thomas Rozario DOB: Jan 1, 2001

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