Md Mostafijur Rahman
London,UK
Summary
Detail-oriented professional with expertise in credit risk assessment and financial analysis. Skilled in data interpretation, report writing, and stakeholder relationship management, employing advanced Microsoft Office skills to generate comprehensive insights. Demonstrates exceptional research, analytical problem-solving, and team leadership abilities, adept in loan review processes, sensitivity analysis, and structuring loans to meet risk appetite statements.
Overview
4
4
years of professional experience
11
11
years of post-secondary education
Work history
Credit Analyst
United Finance Ltd
Rajshahi, Bangladesh
03.2022 - 02.2023
- Conduct credit risk assessments and due diligence for loan applications to minimise fraud and ensure sustainable business growth.
- Prepare detailed financial reports for management, ensuring compliance with organisational policies.
- Interpreted financial reports, identifying potential risks to business growth.
- Analysed complex financial data for accurate risk assessment.
Credit Analyst
SAJIDA Foundation
Bogura, Bangladesh
03.2020 - 03.2022
- Evaluated clients’ financial statements (income statements & balance sheets) to recommend loan approvals.
- Conducted SWOT analysis and prepared risk evaluation reports for loan applicants.
- Monitored overdue clients, prepared collection reports, and visited clients to assess financial credibility.
- Conducted detailed financial ratio analysis for better credit risk assessment.
Research Associate
Credit Rating Agency of Bangladesh Ltd (CRAB)
Bogura, Bangladesh
12.2018 - 02.2020
- Conducted onsite assessments of SME and corporate clients.
- Analyzed financial performance through ratio analysis and cash-flow assessments.
- Produced detailed credit rating reports and presented findings to Rating Committee.
Education
MSc Management - Management
University of Hertfordshire
UK 01.2024 - 07.2025
MBA - Banking & Insurance
University of Rajshahi
Bangladesh 07.2018 - 06.2019
BBA - Accounting & Finance
American International University
Bangladesh 05.2014 - 02.2018
Higher Secondary Certificate - Commerce
Rajshahi Govt. City College
Bangladesh 06.2010 - 07.2012
Secondary School Certificate - Science
Rajarumpur Hamidullah High School
Chapainawabganj 01.2008 - 05.2010
Skills
- Credit risk assessment and financial analysis
- Research and analytical problem-solving
- Advanced Microsoft Office skills
- Loan review processes
- Sensitivity analysis
- Loan structuring
- Risk appetite statements
References
Available on request.
Timeline
MSc Management - Management
University of Hertfordshire
01.2024 - 07.2025
Credit Analyst
United Finance Ltd
03.2022 - 02.2023
Credit Analyst
SAJIDA Foundation
03.2020 - 03.2022
Research Associate
Credit Rating Agency of Bangladesh Ltd (CRAB)
12.2018 - 02.2020
MBA - Banking & Insurance
University of Rajshahi
07.2018 - 06.2019
BBA - Accounting & Finance
American International University
05.2014 - 02.2018
Higher Secondary Certificate - Commerce
Rajshahi Govt. City College
06.2010 - 07.2012
Secondary School Certificate - Science
Rajarumpur Hamidullah High School
01.2008 - 05.2010