Rating

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H S Sohrawardhi, Executive Vice President & Company Secretary

Mr. H S Sohrawardhi, Executive Vice President & Company Secretary is an MBA from IBA, Dhaka University. He joined CRAB in 2003

He took training on credit rating of Banks and Insurance companies in Rating Agency Malaysia. He also participated in various training programs arranged by Asian Development Bank, Association of Credit Rating Agencies in Asia, Bangladesh Bank, Securities & Exchange Commission etc.

 Before joining CRAB he worked in Standard Chartered Bank and CRISL. He also works as part-time lecturer in universities.

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Ehsanul Kabir,  Senior Vice President:

Mr. Ehsanul Kabir, Senior Vice President is an MBA from the University of Wales, UK. He has been working with CRAB Ltd since 2007. He has performed several rating assignments including rating of insurance companies, financial institutions, projects etc.

He has 7 years of experience in financial institutions & insurance sector.

Scan10038 Nur Elahee Molla, Sr.Assistant Vice President:

Mr. Nur Elahee Molla, Sr.Assistant vice President is an MBA from Dept. of Finance, University of Dhaka. He has passed CFA Level 1 Exam held on June 2009 and is a candidate of CFA Level II Exam will be held on June 2010. He has been working with CRAB Ltd from April 2007, and has performed several rating assignments including rating of banks, financial institutions, corporate, project finance, bonds etc.

He has participated several training, workshop and conference arranged by BEI, Citibank N.A., Bangladesh and other local organizations. He has Working experience with Bangladesh Bank.

 Mir Arif Billah, Assistant Vice President:

Mir Arif Billah has been working in Credit Rating Agency of Bangladesh Ltd. since 2006. Currently he is one of the Unit Heads of Project Rating and Assistant Vice President. He is an MBA in Accounting major from the University of Dhaka.

In the last decade, he has been involved in credit rating in various industries viz. Bank, Insurance, MFI, different Manufacturing and Service Sector. Financial Modeling, Forecasting and Risk Assessment is his core task in Project Rating. He also developed Project Rating Methodology. He also engaged in various consultancy work with foreign and local development partner. Under this wing, he was a team leader in consultancy work with IFC – Country Business Dashboard Project. of Dhaka.

He has completed more than 400 Credit Rating assignments in different sectors. He also conducted several internal and external trainings in Project Finance and Microsoft Excel.

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Tahmina Islam, Assistant Vice President:

Ms. Tahmina Islam, Assistant vice Presidentis an MBA from Dept. of Finance & Banking, Dhaka University. She has been working with CRAB Ltd since 2006, and performed several rating assignments including rating of financial institutions.

She has experience in manufacturing and service sector.

Shahtaj Noor, Assistant Vice President:Ms. Shahtaj Noor joined CRAB Ltd as a Financial Analyst in March 2008 and is now working as Assistant Vice President from March 2014. She completed her BBA & MBA from Department of Finance & Banking, University of Rajshahi having major in “Finance & Banking”. She is working as an expert in rating of Commercial Banks (Local & Multinational), FIs, Life & Non-Life Insurance Companies, Bonds, Securities Firms, Merchant Banks & Micro Finance Institutions. She also has exposure in the work of “Feasibility Study” for incorporation of new insurance companies. Ms. Shahtaj received training on Credit Rating, arranged by Association of Credit Rating Agencies in Asia (ACRAA), held in Kuala Lumpur, Malaysia in July 2012. She has also participated in various other training programs and workshops.

Prior to joining CRAB, Ms. Shahtaj worked in a multinational telecommunication company and a nationalized commercial bank

jubair photo Jubair Mohammad Hasan, First Assistant Vice President:

Mr. Jubair Mohammad Hasan is a First Assistant Vice President and Team Leader of CRAB. He joined at CRAB in 2009 as a Financial Analyst. He has completed his MBA and BBA from Department of Finance, University of Dhaka. He has substantial years of practical expertise/specialization in Credit Rating/ Credit Risk Assessment with useful skills in financial statement analysis, financial modeling in Microsoft excel and Industry research. He cumulatively managed a large portfolio of more than 500 different types of Corporate & SME Businesses located at more than 20 different districts of Bangladesh. He also analyzed the risk of almost BDT 400 crore different types of loans of different Banks/ NBFIs. Mr. Hasan has received International Training on “Bank Loan Rating” in Indonesia in 2011.

His working sectors include Printing & Packaging, Textiles, Steel, Sanitary, Construction & Engineering, Trading Business, Auto-Mobiles, Fertilizers, Timber, Jute, Tannery, Rice Mill, Filling Station, Food & Allied, Real Estate, Cold Storage, IT, Trading etc.

He has a special knack of Project Analysis by using Forecasting Techniques of Income Statements, Balance Sheet, Cash Flows, Working Capital Assessment and Stress Testing by using Scenario Analysis using Microsoft Excel very quickly and effectively. He has created youtube video tutorials on “Scenario Analysis” and “Working Capital Management” and also working to build his personal website on various Industry Analysis. Before CRAB he worked in AAA Consultants & Financial Advisers Ltd. which is one of the reputed full fledge Merchant Bank in Bangladesh which offers corporate investment and financial advice, underwriting and public issue management in the capital market of Bangladesh. He also has working experience in Private Bank, IT Firm, and Audit Firm. He was the co-writer of “Managerial Finance” book for National University published by Panjeree Publications Ltd.

Rahnuma Rahnuma Sultana , First Assistant Vice President:

Rahnuma Sultana, is an MBA and BBA from Department of Finance, University of Dhaka.  She is currently working with Entity and Client Rating of various corporations and industries.

She has worked with the Trust Bank Limited and City Bank Limited. In addition to that, she worked as an Executive, Finance in Orient Group. She has received training on Credit Rating arranged by ICRA and participated in several workshops and conferences.

Md Aiyub Khan , First Assistant Vice President:

Mohammad Aiyub Khan is a First Assistant Vice President (FAVP) and Branch In-Charge of CRAB Chittagong Branch. He joined at CRAB in 16th June 2010 as a Financial Analyst. He has completed his MBA and BBA from Department of Finance, University of Chittagong. He also has been involving in teaching profession as a guest lecturer at Department of Economic & Banking and Business Administration Faculty, International Islamic University of Chittagong (IIUC) since 2011.

Mohammad Aiyub Khan is a First Assistant Vice President (FAVP) and Branch In-Charge of CRAB Chittagong Branch. He joined at CRAB in 16th June 2010 as a Financial Analyst. He has completed his MBA and BBA from Department of Finance, University of Chittagong. He also has been involving in teaching profession as a guest lecturer at Department of Economic & Banking and Business Administration Faculty, International Islamic University of Chittagong (IIUC) since 2011. He has significant years of practical expertise in Credit Rating related to Credit Risk Assessment with convenient skills in Financial Statement Analysis, Industry Analysis through formulating Financial modeling in Microsoft excel. He has also a virtuous proficiency on Corporate, NGO, SME Business more than 15 districts In Chittagong and Dhaka region.

He has enormous serving experience in different industry sectors include Ready Made Garments (RMG), Textiles, Tank Terminal, Steel, Ship Breaking, Paper, Shoes, Printing & Packaging, Construction & Engineering, Trading Business, Auto-Mobiles, Fertilizers, Salt, Timber, Jute, Tannery, Rice Mill, Filling Station, Food & Allied, Real Estate, IT and Transportation etc.He has enormous serving experience in different industry sectors include Ready Made Garments (RMG), Textiles, Tank Terminal, Steel, Ship Breaking, Paper, Shoes, Printing & Packaging, Construction & Engineering, Trading Business, Auto-Mobiles, Fertilizers, Salt, Timber, Jute, Tannery, Rice Mill, Filling Station, Food & Allied, Real Estate, IT and Transportation etc.

Mohammed Amin , First Assistant Vice President:

He has joined in CRAB as a Financial Analyst in 2010 after completing Chartered Accountancy (CA) course from Hoda Vasi Chowdhury & Co, Chartered Accountants, Chittagong – an independent correspondent firm to Deloitte Touche Tohmatsu. He has also obtained International Masters in Business Administration (IMBA) in Finance and Masters in Business Studies (MBS) in Accounting earlier.
During Article ship, experiences gathered regarding Finalization of Annual Accounts, Interim Accounts, Statutory and Internal Audit, Special Audit & Investigations, Physical Cash & Inventory verification, Preparation of Long Form Report (LFR), Special Inventory Report, Determination of Net Worth, Valuation of Fixed Assets & Goodwill in various reputed Local and Multi-national Companies of Garments & Textile Sector, Fuel, Gas, Power & Fertilizer Sector, Private Export Processing Zone, Medical & Pharmaceuticals Sector ,Bank & Financial Sector, Steel Sector, Tax & VAT Issues etc.
Since joining, he has been managing a large portfolio of corporate clients mostly existing in Chittagong Division. The portfolio contains different business entities i.e. RMG sector with backward and forward linkage, Large Manufacturing companies of Steel, Consumer Items, Pharmaceuticals; Construction & Civil works, Trading houses; ICD’s; etc. A number of project rating reports have already been done by him so far.

AMunir20Uddin20Ahmed1 Munir Uddin Ahmed , First Assistant Vice President:

Munir Uddin Ahmed,  is an MBA from Department of Finance, East West University.He completed BBA from International Islamic University, Chittagong.He has joined CRAB Limited as a “Financial Analyst” in July 2010. He is currently working with Entity and Client Rating of various corporations and industries.

Before joining CRAB, he worked in Building Technology & Ideas Ltd (bti) as a Senior  Executive

Atiqur Rahman Atiqur Rahman, Financial Analyst:

Mr. Atiqur Rahman joined CRAB as Research Associate in 2014. He had completed his BBA from BRAC University concentrating both Finance and Accounting.
He is doing MBA from Department of Finance, Dhaka University. He started his career with BIM Corporation and also had the experience to work in Airtel Bangladesh.

Rakib Hasan Aziz, Financial Analyst:

Mr. Rakib Hasan Aziz, Financial Analyst and Team Leader is an MBA and BBA from the University of Rajshahi. He has been working with CRAB since 2015 and performed several rating assignments including Construction & Engineering, Real Estate, Bricks Field, Trading, Feed Mills, Rice Bran oil Mills, Jute Mills, Rice Mills, Flour Mills, Textile & Weaving Factory, Cold Storage etc.
He has gathered an extensive knowledge as well as expertise in the field of SME and corporate business specifically in North Zone.


Tabassum Taposhy, Research Associate:Tabassum Taposhy joined at CRAB in May 2017. She has completed her BBA from Department of Finance, University of Dhaka.

Tabassum Taposhy was also former Head of Corporate Affairs of “Voice of Business”, the first and only business magazine published by the students of faculty of Business Studies, University of Dhaka. She also worked in various youth organizations. she has completed a professional training on leadership from BYLC and participated in different business competitions. Recently I have received Bronze Award from Duke of Edinburgh.

Mohammad Nayeem Us Saleheen, Research Associate:

Mohammad Nayeem Us Saleheen joined CRAB as Research Associate in April, 2017. He has completed his MBA from Chittagong University & BBA from Premier University concentrating in Finance. He completed his internship in foreign exchange department of Southeast Bank Limited. He was the former finance secretary of Premier University Debating Society (PUDS) and organized several national debate festivals. He also participated in various national debate & brainstorming competitions.

Mohammed Habibur Rahaman, Research Associate:

He has completed his BBA and MBA from Department of Finance, University of Dhaka. He has been working with CRAB Ltd. as a Research Associate since December 2018.
Before joining CRAB, he worked in Robi Axiata Limited and United Commercial Bank Limited. He has received several trainings from The Fledge, Seattle, USA, Mind Mapper Bangladesh, Kochar Tech, India and Robi Axiata Limited.

Estiak Ahmed Onim, Research Associate:

Estiak Ahmed Onim joined CRAB as a Research Associate from December 2018. He completed his BBA from East West University with concentrating in Finance. Prior to joining CRAB, Estiak Ahmed Onim worked in a leading brokerage house in trade and business development section.

Fahmida Rahman, Research Associate:

Fahmida Rahman joined CRAB as a Research Associate from December 2018. She completed her MBA and BBA from United International University (UIU) with concentrating in Finance. She work as an intern in CRAB.

Mahin Ahmed, Research Associate:

Mahin Ahmed joined CRAB as a Research Associate from December 2018.He has completed his MBA from University of Dhaka majoring in Banking & Insurance and BBA from United International University (UIU) with concentrating in Finance where he has achieved Summa Cum Laude Award for his outstanding academic performance. Before joining CRAB, he worked as a Lecturer at New Model University College, in Department of Finance & Banking; and served as an Executive at EVINCE Group, in Department of Internal Audit & Compliance. Also, he was involved in Freelancing activities.
Apart from this, He has practical specialization in Credit Rating & Credit Risk Assessment with useful skills in financial statement analysis, financial modeling in Microsoft excel and Industry research.

Md. Imrul Kayesh Chowdhury, Research Associate:

As a Research Associate, in December 2018 Md. Imrul Kayesh Chowdhury joined in Credit Rating Agency of Bangladesh. Having earned his bachelor’s degree (BBA) in Accounting from University of Liberal Arts Bangladesh and also earned master’s degree (MBA) in Finance from State University of Bangladesh. Mr. Imruls desire is to be one of the most successful professionals in a highly reputed & progressive organization to utilize his educational knowledge for achieving organizational goals and developing his career. Thus, in 2017 he hired for the position of Assistant Accounts Officer in Cosmo Group (Cosmo Synthetic). After resign Cosmo he also joined in August 2018, as a senior business teacher in Paradise International School.

His working area involved in the financial analysis which assigns by Rating department including various types of trading businesses, Developer Firms, Brickfield, Filling station, Jute mill, Rice mill, Medical Institute, and Fisheries, etc. which regarding the fields of SME and corporate business in the northern area of Bangladesh.

Mahmuda Akter, Research Associate:

Mahmuda Akter joined CRAB as a Research she has joined CRAB as a Research Associate from December 2018. She has completed my BBA from United International University (UIU) with concentrating in Finance and Marketing. She has completed my internship from Linde Bangladesh Ltd.

Md. Samiul Alam, Research Associate:

Md. Samiul Alam has been working with CRAB as Research Associate since December 2018. He has completed his graduation from the University of Rajshahi with major in Accounting Information System.

Before joining in CRAB, He has worked as Assistant Manager-Finance in a Freight Forwarding Company named “ANBE FREIGHT LIMITED” from December 2016 to November 2018.

He has also worked in “Islami Bank Bangladesh Limited” as an Officer from March 2011 to August 2016.

During his service period at CRAB, he has gathered an enormous knowledge about the credit rating report of different types of Trading Business, Weaving and Textile Firms, Construction Firms, Jute Industries, Brick Fields, etc

Nahid Afroz, Research Associate, Research Associate:

Nahid Afroz has joined CRAB as Research Associate in December 2018. She completed BBA and MBA, both major in Finance, from the University of Chittagong. She has also been enrolled at the Islamic Online University of Malaysia in Certificate in Islamic Banking and Economics. Since her joining, she has participated in rating of several concerns, most of the construction, shipping and fishing industry.

Before joining CRAB, she has been engaged in organizing different events of Department of Finance and several association of alumnus. Apart from her professional career, she is engaged in academic research. Her research area focuses on Islamic finance, micro-finance, and development studies with specific interest on Islamic securities (Sukuk), Islamic microfinance, and financial inclusion. She has a few publications in local and international platform and experience of joining several international conferences as paper presenter.

Md. Nazmul Haque, Research Associate:

Md. Nazmul Haque joined CRAB as Research Associate from December 2018. He completed BBA & MBA from American International University – Bangladesh (AIUB) with a concentration in Finance. He completed his internship from Data Path Ltd. Before joining CRAB, He worked in AIUB as Teaching Assistants. Prior to that, He worked in Independent Television as an executive.

Farah Marjan, Research Associate:

Farah Marjan joined CRAB as Research Associate in the Credit Rating Department from July 2018. She has completed her MBA from North South University (NSU) majoring in Marketing and BBA from East West University (EWU) majoring in Accounting. Before joining CRAB, she worked as Assistant Research Officer in the Credit Risk Management Division of IDLC Finance Limited, in the Industry & Equity Research Team. She completed training on Basic Banking Operations conducted by Bangladesh Institute of Bank Management (BIBM) and Beginners to Advance Excel Training conducted by BDJOBS.Com.

Md. Nahid Hasan, Research Associate:

Md. Nahid Hasan joined CRAB as Research Associate from July 2018. He completed BBA from American International University – Bangladesh (AIUB) with a concentration in Finance & Accounting. He completed his internship from Al-Arafah Islami Bank Ltd. Before joining CRAB, He worked in Japan-Bangladesh Chamber of Commerce and Industry as an Accounts & External Affairs Officer. Prior to that, He worked in British American Tobacco as a Brand Amplifier. Also, he was involved in Freelancing activities.

Monem Ahmed, Research Associate:

Mr. Monem Ahmed is a Research Associate of CRAB. He joined at CRAB in 2017. He has completed his MBA and BBA from East West University, major in Finance. Before joining CRAB he has completed his internship from a private bank.

His previous experience includes different types of milling businesses, trading businesses, weaving firms, construction firms, Real estate firms, brick field, filling stations etc.in Northern zone of Bangladesh.