Chinmaya Karmakar
7/59 Castlereagh Street, Liverpool,NSW
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Credit Analyst
Community First Bank
2022.12 - Current
- Enhancing credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Streamlining the loan approval process for faster results by implementing an efficient credit scoring system.
- Reducing delinquency rates with proactive monitoring of clients'' credit performance and timely communication.
- Improving overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
- Developing customized financial models to assess borrower''s capacity, ensuring accurate credit evaluation.
- Collaborating with cross-functional teams for comprehensive client assessments, supporting information for decision making.
- Providing valuable insights on industry trends and economic indicators, contributing to a well-informed lending strategy.
- Ensuring compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Delivering accurate risk ratings by consistently evaluating borrowers'' financial health, competitive positioning, and market dynamics.
- Optimizing risk-return profiles by applying advanced statistical models and stress testing methodologies during underwriting processes.
- Enhancing customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
Customer Service Representative
Woolworths Metro Super Market
2021.03 - 2022.11
- Enhancing customer satisfaction by promptly addressing concerns and providing accurate information.
- Resolving customer complaints with empathy, resulting in increased loyalty and repeat business.
- Assisting customers in navigating company website and placing online orders, improving overall user experience.
- Exceeding performance metrics consistently, earning recognition as a top performer within the team.
- Provided coaching and mentoring to new hires, contributing to their successful integration into the team.
- Managing high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Developing rapport with customers through active listening skills, leading to higher retention rates and positive feedback from clients.
- Conducting training sessions for Customer Service Representatives on various aspects of the job including soft skills development, product knowledge enhancement, and procedural updates.
- Handling customer inquiries and suggestions courteously and professionally.
- Answering customer telephone calls promptly to avoid on-hold wait times.
Assistant Vice President
One Bank PLC
2018.12 - 2021.02
- Managing daily branch operations for optimal efficiency and performance, resulting in improved customer experiences.
- Increasing customer satisfaction by implementing new service protocols and streamlining branch operations.
- Developing and executing strategies to grow the bank''s loan portfolio, expanding business opportunities.
- Led a team of banking professionals, providing regular coaching and development opportunities for career growth.
- Implementing risk management processes to identify potential risks, reducing losses and maintaining compliance with regulatory requirements.
- Optimizing staff productivity through effective scheduling, task delegation, and performance monitoring.
- Fostering strong relationships with clients by addressing their needs promptly and providing personalized financial solutions.
- Collaborating with senior management to develop strategies for increasing market share and overall profitability.
- Enhancing employee engagement by organizing team-building activities, training sessions, and open communication channels within the branch.
- Strengthening cross-selling initiatives by identifying customers'' financial needs and recommending suitable products or services.
- Boosting branch revenue through targeted marketing campaigns aimed at attracting new clients and retaining existing ones.
Senior Principal Officer
One Bank PLC
2016.01 - 2018.12
- Monitoring branch operational activities, which includes walk-in customer services in general banking, cash counter services, ATM services and credit operations in daily basis.
- Analyzing current investment portfolio, market share and scope for new investments, strategies to enhance branch profitability.
- Supporting and supervising all the branch staffs to achieve annual budget through booking new business and smooth operational activities of the branch.
- Implementing bank policies, procedures, and regulations in the day-to day service activities.
- Providing timely updates on significant market events or economic news that could impact clients'' portfolios or financial strategies.
- Participating in regular training sessions to continually improve skills related to client service, product offerings, sales techniques, and industry knowledge.
- Building trust with clients by maintaining confidentiality and handling sensitive information professionally at all times.
- Maintaining up-to-date knowledge of industry trends, regulatory changes, and competitor offerings to provide informed advice to clients.
- Managing a diverse portfolio of high-net-worth clients, ensuring satisfaction and retention through personalized attention and strategic planning.
- Increasing portfolio growth by effectively identifying new business opportunities through market research and networking.
Principal Officer
One Bank PLC
2012.01 - 2015.12
- Strengthening client relationships by consistently providing exceptional service and financial solutions tailored to their needs.
- Enhancing staff productivity and collaboration through effective communication and team-building exercises.
- Managing day to day operations of the branch banking service which includes credit operation, counter services, ATM operations, and overall supervision of the branch.
- Developing business plans and attaining sales goals, delivering great customer service, and growing revenue through increased lending activity.
- Ensure bank compliance is maintained to a high standard with administrative necessity.
- Developing and implementing bank management policies and procedures.
- Analyze investments, strategies, and market conditions to enhance branch profitability.
- Assessing local market conditions and identify current & prospective sales opportunities as well as identify risks within the business.
- Submitting recommendations for credit proposals on the allocated portfolio including fresh disbursement of credit lines, exposure levels, security perfections, documentation etc. to the Credit Risk Management Division of the Bank.
- Monitoring the branch’s credit portfolio by conducting periodic review discussion with the team members to ensure minimum loan defaults.
- Recovery of past due loans from default customer, loan rescheduling/restructuring by receiving required down payments, etc.
Senior Officer
One Bank PLC
2010.01 - 2011.12
- Developing and executed successful marketing campaigns for improved brand recognition and customer reach.
- Assessing local market conditions and identify current & prospective sales opportunities as well as identify risks within the business.
- Analyze investments, strategies, and market conditions to enhance branch profitability.
- Serving loan clients of all walks in the branch. Managing client communications related to daily transactions, service delivery and operational controls.
- Conducting report returns to Corporate Head Office on Monthly/Quarterly Basis. Communication with loan clients regarding collection of past dues.
- Preparing Credit Memorandum of existing working capital clients, time to time communication with Credit Risk Management Division on loan queries.
- Preparation of disbursement related check lists and managing of Over-Draft loan portfolio of the bank.
- Helping General Banking in day-to-day activities including Account opening, Cheque book and Pay Order issuance, Online clearing etc.
- Visiting loan customer’s outlet, business places, stocks and collateral security in periodic basis and reporting accordingly.
- Regular visiting potential clients to keep substantial growth of Savings Accounts, Current Deposit Accounts, Term Deposit Accounts, School Banking Accounts, Corporate Salary Accounts etc.
Officer
One Bank PLC
2008.09 - 2009.12
- Managing client communications related to daily transactions, service delivery and operational controls.
- Responsible to keep all the cash and other valuables as joint custodian of the branch. Teller cash distribution, Cash Balance Book, Teller Sheet preparation.
- Submitting reports to internal & external bodies on Monthly, Quarterly, Half-yearly & Yearly basis.
- System posting and authorization of transactions related to cash deposits, withdrawals, account to account transfer on daily basis.
- Helping associates in the counter to collect utility bills, and other deposit receipts.
- Checking all the transaction vouchers and transaction journals including GL Accounts.
- Conducting Cash In-ward and Out-ward remittance to local Banks and among the branches as per requirements.
- Mobilization of Deposits, Account opening-closing, on-line clearing related tasks, On-line transfer, Term Deposit and Scheme Deposit Accounts opening, Issuance of Pay Order, Demand Drafts, Check Book etc.
- Compliances of Banks operational manuals in line with Audit findings. Conducting Daily Functional Check Lists including Accounts, General Ledgers, Different Registers, etc.
- Regular visiting potential clients to keep substantial growth of different Savings products of the Bank.
Education
MBA - Finance
University of Dhaka
Dhaka, Bangladesh02.2019
Master of Social Science - Social Welfare
University of Dhaka
Dhaka, Bangladesh05.2003
Bachelor of Social Science - Social Welfare
University of Dhaka
Dhaka, Bangladesh09.2001
Skills
- Underwriting
- Financial Statements Expertise
- Data Compilation
- Credit Reporting
- Oral and Written Communications
- Lending Regulations
- Credit Risk
- Information Verification
- Credit Analysis
- Loan Documentation
- Statement Review
- Risk Assessment
- Credit Decisions
- Relationship Management
- Market Trend Analysis
Certification
Junior Associate of the Institute of Banker's Bangladesh in 2013.
Diplomaed Associate of the Institute of Banker's Bangladesh in 2017
Timeline
Credit Analyst
Community First Bank
2022.12 - Current
Customer Service Representative
Woolworths Metro Super Market
2021.03 - 2022.11
Assistant Vice President
One Bank PLC
2018.12 - 2021.02
Senior Principal Officer
One Bank PLC
2016.01 - 2018.12
Principal Officer
One Bank PLC
2012.01 - 2015.12
Senior Officer
One Bank PLC
2010.01 - 2011.12
Officer
One Bank PLC
2008.09 - 2009.12
MBA - Finance
University of Dhaka
Master of Social Science - Social Welfare
University of Dhaka
Bachelor of Social Science - Social Welfare
University of Dhaka
Junior Associate of the Institute of Banker's Bangladesh in 2013.
Diplomaed Associate of the Institute of Banker's Bangladesh in 2017
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