Customer Service Regulatory Compliance

Mohammad Khairul Amin Patwery

**********@*****.*** +880**********

Bangladesh

Professional Summary

Results-driven finance professional with 13+ years of comprehensive experience in corporate retail S.M.E Banking and financial management. Skilled in credit analysis, project financing, regulatory compliance, and operational leadership. Proven success in managing large loan portfolios, improving branch performance, and leading finance teams in high-pressure environments.

Core Competencies

Commercial Banking

Credit & Risk Analysis

Project Finance

Financial Reporting & Forecasting

Regulatory Compliance

Loan & Advance Management

Cash Flow Management

Customer Service Management

Audit & Tax Handling

Team Leadership & Staff Development

Professional Experience

General Manager – Finance

Huda Group, Feb 2019 – Present

Developed and implemented long-term strategic financial plans.

Led budgeting and forecasting activities for business units.

Managed financial statements, ensuring accuracy and compliance.

Oversaw project finance functions including technical and market analysis, financial structure, and risk mitigation.

Directed cash flow and working capital operations.

Ensured compliance with regulatory frameworks and managed audits.

Guided investment evaluations and capital raising initiatives.

Led a team of finance professionals to improve efficiency and cost control. Principal Officer – Manager, Loan and Advance

Mercantile Bank Ltd, Jun 2014 – Jan 2019

Managed a loan portfolio of BDT 500 Crore.

Prepared diverse credit proposals (e.g., CC, project finance, lease finance, SME loans).

Conducted thorough financial and credit risk analysis.

Ensured all loan documentation met internal and regulatory standards.

Coordinated property valuations and legal compliance for secured loans.

Reduced NPLs through proactive collections and legal action.

Responded to internal and external audits including Bangladesh Bank reviews. Principal Officer – Customer Service/Operations Manager BRAC Bank Ltd, May 2006 – Jun 2014

Supervised branch operations including account management, clearing, loan disbursement, and vault control.

Ensured compliance with central bank and internal policies.

Led and evaluated performance of customer service staff.

Oversaw customer issue resolution and service quality assurance.

Managed operational reporting, documentation, and audit readiness. Education

MBA in Finance

Atish Dipankar University of Science and Technology, 2007 CGPA: 3.50 out of 4.00

Technical & Analytical Tools

Microsoft Office Suite (Excel, Word, PowerPoint)

Financial Modeling & Ratio Analysis

Regulatory Tools (CRG, DBR analysis)

Loan Management Systems

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