BASIC/GUL/ADV/2016/842

24 Feb 2016
TO WHOM IT MAY CONCERN
This is to certify that Shuhubasch Salima (BASIC Bank Staff ID: 1834) date of birth: 14.04.1985 is a
full time (40 Hours/Week) permanent employee of BASIC Bank Limited since 06.09.2009 till date.
She is currently employed as Deputy Manager in this bank. She is currently working under my
direct supervision.
Work Experience:
BASIC Bank Limited
22 Jan 2015 Continuing
05 Sept 2014 21 Jan 2015
31 Dec 2013- 04 Sept 2014
03 Apr 2013 30 Dec 2013
28 Jan 2011 02 Apr 2013
13 Sep 2009 27 Jan 2011
06 Sep 2009 12 Sep 2009

06 Sep 2009 Present:

Deputy Manager
Deputy Manager
Deputy Manager
Deputy Manager
Assistant Manager
Assistant Manager
Assistant Manager

Posting
Branch Credit Department
Head Office Credit Division
Branch Credit Department
Head Office Credit Division
Head Office Credit Division
Branch, Credit Department
Orientation Program

Key Job Tasks for employment periods: (while working at Branch Credit Department)
22 Jan 2015 Continuing
31 Dec 2013- 04 Sept 2014
13 Sep 2009 27 Jan 2011
1. Interview applicants for personal loans, consumer loans, student loans, business loans etc.
2. Submit loan proposals to the branch credit committee with recommendations for processing
(which is within the authorized limit of the branch). This is done according to the policy and
regulations of the branch.
3. For loan proposals requesting for higher limits (i.e. higher than the branches authorized limits):
submit the loan proposals with recommendations to Head Office for approval.
4. Evaluate prospective clients financial condition, analyze his/her credit worthiness and ability to repay
the loan
5. Evaluate and analyze clients performance to check further investment/ loan should be offered.
6. To see whether enhancements or modifications should be provided to the client. Review the loan
files annually or semi annually.
7. Monitor financial details of the clients and collect required papers to ensure the legal
requirements are met. Completing the loan documentation formalities.
8. Providing sanction advice to clients; completing the loan sanctioning and documentation
formalities.
9. Maintain relationships with customers, help them expand their business. Also, advise clients on
how to implement any financial plans to help their growth and expansion.
10. Attract new clients and increase the client base of the bank
11. Communicating with non-performing clients/ defaulted borrowers (NPL) to aid in the recovery of
loans. And advise them on implementing different financial plans or purchase financial products
to increase their profitability and aid them repay their loans.
12. Open new accounts of different clients (both individual and corporate accounts). Provide support
through to ATM banking and online banking.

Key Job Tasks for employment period: (while working at Head Office Credit Division)
05 Sept 2014 21 Jan 2015
28 Jan 2011- 30 Dec 2013
1. Processing Loan proposals sent from the branches. To place them in front of the Head Office
Credit Committee with recommendations for approval or rejections.
2. Providing sanction advices to the branches of their respective clients and stating the required
papers, financial information, documents that need to be collected from the clients before loan
sanctioning can be effective.
3. To pursue branches to increase recovery from clients. Especially from Non-performing clients or
defaulted borrowers.
4. To pursue the branches to lower Non-performing loans (NPL) of their branch.
5. Prepare statements of defaulted borrowers (branch-wise) on a monthly basis and see their
progress for recovery purpose. I.e. has their repayment increased, what else can be done to
recover the loans etc
6. To alert branches of possible clients who are close to being defaulted.
7. Monitor the branches to make sure they are collecting required papers from the clients to ensure
the legal requirements of the bank and loan documentation formalities are met.
8. Making yearly evaluations or review of clients that branch has requested for. To judge whether
enhancement can be provided to them or any modifications in their financial plan can be done. To
aid in the growth/expansion of the client.
9. Maintain relationship and communication with branches and to help them function smoothly.

Salary Package: (From 01.01.2016 till present)

Salary Package
Basic Pay
House
Medical
Conveyance
Entertainment
Gross Salary
Net Salary

44,079
26,447
8,815
4,407
4,410
88,158.00
79,515.00

Deduction
Income Tax
Benevolent fund
Superannuation Fund
Revenue Stamp
PF Contribution

4,000
75
150
10
4,408

Total deduction

Should you have any further queries, please feel free to contact the undersigned.

Signature and company seal

Name: Md. Momenul Hoque

Designation: Deputy General Manager & Branch In-charge
Contact Number: +8801711-402533
Email: hoquemo@basicbanklimited.com

8,643.00