Curriculum Vitae of

A.F.M. Benazir Morshed

Senior Officer, Uttara Bank Limited, Mymensingh Branch
Contact No: 01717563947
Email: benazir.morshed@gmail.com
Career Objective:
Interested to work in any financial institution especially in Banking area where hard working,
merit, sincerity, strict discipline, integrity are the keystone of success.
Career Profile
Total Banking Experience 3.5 years.
At Uttara Bank
I have been joining at Uttara Bank Limited As a probationary Officer as on 28/09/2011 at
Personnel Department under Human Resources Division, Head Office, Dhaka, Confirmed as an
Senior Officer as on 28/09/2012 and working here till now.
Present place of posting: Senior Officer (Trade Finance & Foreign Exchange Department)
Mymensingh Branch, Mymensingh. )
Previous posting:
1. Madhabdi Bazar Branch, Narsingdi : (As a Probationary Officer, Credit & Advance)
2. Sonapur Branch, Noakhali (As a Probationary Officer, General Banking and Credit)).
3. Mahishalbari Branch,Rajshahi (As Senior Officer, Rural & Agricultural Credit).

Working Profile
General Banking Section:
1.Issuing and responding as well as maintaining of all kinds of Financial Instruments.
2.Opening all kinds of Accounts, and Account related Business Development as well as
Marketing, Achieving target and issuance of Cheque Books.
3.Handling all transactions in Computer (Bank Ultimus Softwar).
.
4.Maintenance of CTR, STR statement & duties as when required, .
5.Maintenance and Payment of foreign remittances
6.Maintaining of SC, LSC register along with relevant voucher,
7.Monthly provisioning of SB, STD, FDR, CC, Loan account, Computer & Ledge Posting,
all kinds of statement preparing I.e. ,weekly, monthly.
Advance Department:
1.

Preparing Small and Medium Enterprise (SME) Financing Loan proposal i.e. Cash
Credit
(Pledge & Hypothecation),Agricultural Structural and Retail Financing
2. Lending Risk Analysis for Industrial Segment, Credit Risk Grading & Credit Rating for
Term Loan and Industrial Loan.
3. Loan proposal for Overdraft, Bank Guarantee, Performance Guarantee, and Container
Guarantee.

4. Preparing Loan related Statements and Financial Analysis for Agricultural Structural &
Retail Loan, Consumer Loan, Small Business Loan and House Repairing Loan.
5. Loans & advance related other works i.e. Loan disbursement and adjustment procedure.
6. Preparing all Kinds of Statement of Bangladesh Bank, as of CL, SBS-II, SBS-III, Loan
Segmentation, Consumer Based Data Analysis and others Official Statement
7. Preparing Quarterly Operation Report, Preparation of Classification status, Preparation of
CIB Report etc.
8. All documents (including Charge Documents) are properly executed in the Document
Execution Register. Loan Documentation Check list.
9. Loan Marketing to Prospective good borrower & Carefully Handle Risky Clients.,
recover Classified Loan.
10. Any Others Credit & advance Related Works when needed to be done.
Foreign Exchange & Trade Finance Department:
1.
2.
3.
4.
5.
6.
7.
8.

Preparing Proposal of Letter of Credit (Cash), and issuance of LC.

Creating Loan against Imported Merchandise, Loan against Trust Receipt, Pad etc
Dealing as an advising & Issuing Bank for Local/Foreign L/C and related works of IBP,
Bill Collection on behalf of the Exporter.
L/C Lodgment & Retirement and In-Ward Remittance.
Scrutiny of L/C Documents (Import Bill),
Development of new Clients and Marketing.
Preparing All Kinds of Statement of Bangladesh Bank, and Posting in Bangladesh Bank
Website

Internship:
Completed 4 month Internship in Standard Chartered bank, Motijheel Branch, Dhaka,
Bangladesh. There I had learned many things about practical use of financial study in
banking procedures and operations. Achieve details knowledge about core and unit banking,
preparing and gaining knowledge about several alternative Banking operation idea
preparation of personal statement and international pay order, demand draft, bond and
sanchay patra.
Training and Workshop:
1. Training Program on SME and Its Financing at Uttara Bank Training Institute.
2. Training Program on Foreign Exchange and International Trade at Uttara Bank
Training Institute (7 Working Days).
3. Participated in the foundation training course for 20 working days from in the Uttara
Bank training institute, Eastern plus (9th floor), Shantinagar, Dhaka.
4. Bangladesh Automated Clearing House (BACH) Under Information & Communication
Technology ICT Division.
5. Computer Operations in UBL at Uttara Bank Ltd, Training Institute. .
6. Money Laundering & Documentation 1 (One) working day.
7. Workshop on Loans Classifications and Provision
8. Workshop on Credit Risk Management (CRM).

9. Attending one day workshop on Loan Documentation Check List, Quarterly Operation
Report, & Departmental Control Functions Check List organized by Uttara Bank
Limited .
10. Workshop on Rationalized Input Template (RIT) and Internal Control and Compliance
(ICC) organized by Uttara Bank Limited

Educational Qualification:
Name of
Degree
S.S.C
H.S.C

Board/ University

Result

Board of Intermediate &

First Division
Secondery Education, Dhaka
Board of Intermediate &
Second Division
Secondery Education, Dhaka

Year of
Passing
2000
2002

BBA

Patuakhali Science And

Technology University

CGPA 3.56 out

of 4.00

2009

M.B.A

Jahangirnagar University

CGPA 3.29 out

of 4.0

2011

Subject
Science
Science
Finance
Finance

Computer Knowledge
Microsoft office: MS-Word, MS-PowerPoint, MS-Excel, Ms-Access
Operating System: Windows 98, Windows XP, Windows Vista.Windows-7 and Linux (Ubuntu
Version)
Internet: Good knowledge on Browsing, Search & E-mail, Web Designing

Language Skill

English: Well versed in both written and spoken English.

Bengali: Mother tongue

Personal Assessment

Good Leadership and Analytical Skill.

Good communication skills and presentation
Ability to handle stress and to make decisions under difficult situations.
Very good learner.
Ability to work in rigorous environment.
Ability to make the situation favorable.
Very good to work on team

Research Activities
1. Fundamental Analysis of 15 years Financial Statements of 24 different Banks and
Relation with their Stock price
2. Industry analysis for the point of view of a potential investor: An analysis of Ceramic and
Cement industry
3. Current Conditions of life insurance in Bangladesh.
4. Performance Analysis of Mutual Funds in Bangladesh

Extra Curricular Activities

1. Group Leader and President of Planning and Budgeting team, Industrial Tour Committee
(1st Batch) of PSTU
2. Member of Business club.
3. Member, Jahangirnagar Students Film Society.
4. Member, Badhon, blood donors organization

Personal Information
Full name
: A.F.M. Benazir Morshed
Father's Name
: Md. Delwar Hossain
Mother's Name
: Syeda Bilkis Begum
Mailing Address
: House No- D-7, Old BINA Coloney (Bombaiya Coloney), Jail Road
(Golgonda) ,Mymensingh Sadar,Mymensingh-2200
Permanent Adress
: Village- Bhuterdia Post- Bhuterdia Upazilla- Babuganj,District-Barisal
Date of Birth
: 29th January, 1986
Contact Number
: 01717563947
Email
: benazir.morshed@gmail.com
Home District
: Barisal
Nationality
: Bangladeshi
Religion
: Islam
Marital Status
: Single

References
1. Makam-E-Billah(Rumi)

Head of Finance
Standard Chartered Bank,Bangladesh
Head Office, Gulshan
Cell No:01819247989
Email: rumi3055@yahoo.com
2. Md.Tarikur Rahman
Zonal Head and Deputy General Manager
Uttara Bank Limited
Mobile No. 01711802278

Email: zomymensingh@uttarabank-bd.com