Md Raffie Arefin
Kuopio,Finland
Summary
Seasoned Banking Executive with over 15 years of progressive experience in credit risk management, SME and corporate financing, and multi-branch portfolio oversight. Demonstrates ability to translate market and regulatory analysis into informed credit decisions while developing high-performing teams. Based in Kuopio, Finland, seeking a role that leverages expertise and integrates global perspectives.
Overview
3
3
Languages
17
17
years of professional experience
Work History
Credit-in-Charge
United Commercial Bank PLC
Uttara
01.2024 - Current
- Managed Credit Department at Uttara Branch, overseeing loan portfolio valued at BDT 6 billion, ensuring diverse asset mix across RMG, Corporate, SME, and Retail sectors.
- Managed daily operations, including client visits, drafting call reports, preparing credit proposals aligned with risk management standards, and generating regulatory reports.
- Led team of 11 credit officers, providing guidance and mentorship to foster continuous development and professional growth.
Cluster Head & Vice President
United Commercial Bank PLC
01.2023 - 09.2024
- Collaborated with senior management to align and enhance credit strategies with overall business goals, contributing to strategic direction.
- Managed two units with 2-unit heads and a team of 8 credit analysts, overseeing credit proposals from over 50 branches, enabling timely processing and informed decision-making for a portfolio of BDT 25 billion.
- Exercised approval authority with a focus on maintaining portfolio quality, market conditions, and regulatory requirements.
- Facilitated credit approval decisions, ensuring adherence to risk management standards and regulatory compliance.
- Provided guidance and mentorship to unit heads and analysts, fostering a culture of continuous improvement.
First Assistant Vice President
United Commercial Bank PLC
01.2019 - 12.2022
- Exercised approval authority, ensuring adherence to portfolio quality, market conditions, and regulatory requirements.
- Led unit of 5 credit analysts in processing and evaluating business proposals from 28-30 branches, managing combined loan portfolio of BDT 11 billion.
- Conducted in-depth analysis of credit proposals, with a focus on SME financing, to ensure sound credit decisions.
- Developed and implemented strategies to improve efficiency and effectiveness in the credit approval process.
- Monitored accounts periodically, identifying problematic cases, implementing continuous surveillance, establishing exit policies as needed, and coordinating handovers to recovery division.
Assistant Vice President
United Commercial Bank PLC
01.2017 - 12.2018
- Enhanced expertise as credit analyst by evaluating and processing SME proposals to support informed lending decisions.
- Collaborated with branch managers and credit officers to streamline credit processes, reducing turnaround time and minimising risk exposure.
- Streamlined communication channels between departments, enhancing collaboration and project outcomes.
- Streamlined internal communication to improve team collaboration and productivity.
- Conducted detailed performance reviews, identifying areas for improvement and driving team excellence.
Senior Executive Officer
United Commercial Bank PLC
01.2015 - 12.2016
- Analysed complex credit proposals, ensuring compliance with credit policies and minimising risk.
- Supported and guided junior analysts and officers in the credit department, fostering development and enhancing team capabilities.
- Monitored operations to keep processes aligned with targets and matching forecasts.
- Developed high-performing teams to consistently exceed goals, drive revenue and expand markets.
- Reported successes, failures and new plans to governing body to guide decision-making.
Executive Officer
United Commercial Bank PLC
01.2013 - 12.2014
- Conducted comprehensive credit analysis and processed SME proposals to support informed lending decisions.
- Contributed to development of credit risk management frameworks and tools to enhance risk assessment capabilities.
- Defined clear mission and vision to provide direction and purpose for organisation, supporting overall business plan.
- Educated and guided customers through product use, providing real-time instruction and support.
- Streamlined operational processes through continuous improvement initiatives, elevating productivity and quality standards.
Senior Officer
United Commercial Bank PLC
01.2011 - 12.2012
- Analyzed and processed business proposals to facilitate SME financing decisions.
- Supported credit risk management initiatives, contributing to development of internal credit policies that enhance risk assessment.
Probationary Officer
United Commercial Bank PLC
10.2009 - 12.2010
- Completed Management Trainee Program, specialising in accounts and credit departments.
- Conducted credit analysis and evaluated financial statements to support branch operations.
Education
Master of Business Administration - Finance
University of Chittagong
01-2005
Bachelor of Business Administration - Finance
University of Chittagong
01-2004
Skills
- Credit risk management
- Credit analysis
- Financial analysis
- Financing expertise
- Risk management
- Risk mitigation
- Regulatory compliance
- Market analysis
- Financial modelling
- Proficient in MS Office applications
- Team leadership
Language
English
Advanced
C1
Finnish
Beginner
A1
Bengali
Proficient
C2
Training and workshop
- Internal Customer Experience Management, In-house Training by UCB PLC, 2024
- Sustainable Financing, 2024
- International Trade Payment & Finance, 2024
- Prevention of Trade & Credit Based Money Laundering, 2023
- Foreign Trade and Foreign Exchange Regulation (Guidelines), 2023
- Credit Appraisal & Management, 2023
- Internal Credit Risk Rating System (ICRRS), 2022
- Working Capital Financing, 2022
- SME Financing, 2022
Professional Affiliations
- Member of Bankers Club Bangladesh - Lifetime Membership
Timeline
Credit-in-Charge
United Commercial Bank PLC
01.2024 - Current
Cluster Head & Vice President
United Commercial Bank PLC
01.2023 - 09.2024
First Assistant Vice President
United Commercial Bank PLC
01.2019 - 12.2022
Assistant Vice President
United Commercial Bank PLC
01.2017 - 12.2018
Senior Executive Officer
United Commercial Bank PLC
01.2015 - 12.2016
Executive Officer
United Commercial Bank PLC
01.2013 - 12.2014
Senior Officer
United Commercial Bank PLC
01.2011 - 12.2012
Probationary Officer
United Commercial Bank PLC
10.2009 - 12.2010
Master of Business Administration - Finance
University of Chittagong
Bachelor of Business Administration - Finance
University of Chittagong