MD ASHEK SHAMS PODDAR

The primary objective of this role is to enhance the branch portfolio by strategically managing loans and deposits through effective Asset Liability Management, ensuring sustained profitability. Additionally, the position involves analyzing evolving customer financial needs and advising on optimal financial planning, cash management, and investments. Furthermore, the role includes cross-selling SME/Corporate loans while meticulously assessing risks and conducting due diligence to maximize the overall portfolio performance.

As a relationship officer for 100% exporters, particularly in the RMG and Textile industries, the role involves several key responsibilities. This includes processing proposals for submission to the Board of Directors, mitigating risks and obtaining clearance from CRM, determining credit facilities based on factory capacity and business extent, negotiating credit facilities, presenting proposals to the Corporate Office Credit Committee, fostering relationships with existing customers to increase business, conducting regular visits to customer factories for observation of overall operations, and monitoring export performance and documentation to ensure a healthy portfolio.