Product Development Banking Associate

- * -

CURRICULUM VITAE

Seeking a challenging career in the field of Credits, SME, International & operations which enables me to serve the Organization, accomplish the assigned duties to their entirety, gain experience, meet people, gather new skills while upgrading my existing competencies and achieve a rapid career development while being an indispensable resource in the industry.

A result oriented professional with over Twenty two years of experience across Credit operations, International Operations and SME Product Development in Seylan Bank PLC,

Proficient in cementing healthy relationships with the clients for generating business and achieving SME revenue targets and maintaining a quality lending portfolio towards accomplishing business and corporate goals.

Proven expertise in planning for business promotions in the area.

Desire to gain to knowledge through hard work, experience and further self-development.

Was a Member of Best Branch(Kurunegala) in Cost Management

Was a Member of Best Branch (Matale) Cost Management

Was a Member of Best Branch (Matale) Asset Management

Was a Member of Overall Best Branch (Pettah)

Was a Member of Deposit Mobilization Best Branch (Pettah) Seylan Bank PLC

Worked at Kurunegala Branch for the period of 06 years and following areas covered during the period From December 1996 to July 2002 – KURUNEGALA BRANCH

Cash Department

Clearing Department

Worked for 01 year processing and Encoding outward clearing cheques attending to clearing House at the Central Bank of Sri Lanka.

Current Accounts

Foreign Department

Issuance, en-cashing of TC’s

Handling Telegraphic transfers

Issuance of various Bank Drafts

Handling money Transfers.

Credit Department

Preparing Credit proposals

Monthly & Quartley Central Bank/Head Office reporting Risk bureau figures

Attending Credit inquiries

Processing Commercial and Real estate loan applications

Maintaining Account Limit & monitoring facility accounts of customers approvals

International Department(Trade Finance)

CAREER HIGHLIGHTS

OBJECTIVE

PRÉCIS

CHAMINDA RANASINGHE

NO.694/5/2, MORAKETIYA ROAD, ARRAWWALA, PANNIPITIYA. 077*******/011*-******

e-mail: ***********@*****.***

- 2 -

Worked for a period of 02 years and covered processing of Letter of credit applications, Collection bills DA/DP Shipping Guarantees and Import Loans.

Promoted to Sub-Officer -2001-Worked at Seylan Bank Kurunegala Branch for 02 years From Auguest 2002 to September 2005 – Dambulla Branch (Convenientent Center) Functions at Dambulla Branch, I was obtained “B” Grade signing powers and holding custodian ship and vault keys.

From September 2005 to Auguest 2011 – Pettah Branch

Handling of Letter of Credit Application

Collection bills (DA/DP)

Sipping Guarantees and import Loans

Preparing Credit proposals

Leasing Operations

Evaluating customers for new credit facilities

Internal Credit Control Officer

Promoted to Junior Executive Officer July 2011-Pettah Branch From September 2011- June 2016 – Dam Street Branch - Credit Officer Meet the Branch Targets of the credit unit, maintain a good relationship with the external & internal customers and attend to daily customer demands.

Job Role.

Interviewing clients and gathering information to assess their actual financial needs based on lending propositions

Analyze credit worthiness & financial standing of the clients and recommend credit facilities for approval.

Grow the regional SME portfolio.

Ensure compliance with statutes as required.

Maintain the portfolio and underwriting standards.

Managing SME non-performing loan portfolio of the Branch.

Undertake client visits, inspection of business/project sites and constantly monitor the non-performing asset portfolio and take appropriate steps for recoveries.

Assist the Regional Manager in identifying potential segments for new business growth.

Planning and conducting business promotional activities in the area for canvassing new customers, deposit mobilization and loan products.

Canvassing Banca products.

From June 2016 to Date – Borella Branch -Credit Manager Job Role.

Research and evaluate clients’ creditworthiness

Create credit scoring models to predict risks

Minimize bad debts and increase revenues from loans

Approve or reject loan requests, based on credibility and potential revenues and losses

Calculate and set interest rates

Negotiate loan terms with clients

Monitor payments

Maintain records of loan applications

Follow up with clients to manage debt settlements and loan renewals

Ensure all lending procedures comply with regulations and Develop, review and update our company’s credit policies.

- 3 -

Experience as a Credit Officer / Credit Manager

Meet the Branch Targets, maintain a good relationship with the external & internal customers and attend to daily customer demands together with the recovery process of the branch. Responsibilities:

Ensure that a consistently high level of customer service is maintained and contributing positively to growth of the Bank’s image.

Identifying, analyze & recommending the credibility, financial stability and the market potentials of the clients for quality lending.

Proactively cross sell profitable banking products and provide higher value investment and insurance products.

Compliance with Credit Policy requirement and submitting appraisals, credit documents as per bank’s policy.

Permanent/Temporary overdraft for working capital requirements of trading business concerns.

As customer service officer, job enhanced and developed my communication skills, service orientation, and win-win approaches in business deals, problem solving, listening and marketing skills.

Experienced in selling assets and Liability products.

Delivery of high quality service experience to clients with a personal touch.

Handling complaints to avoid any confrontations and increase customer satisfaction.

Telephone skills, attending client inquiries.

Successfully completed GCE Advanced Level (Sri Lanka) examinations in 1994 – Trinity College, Kandy

Commerce – Simple Pass

Economics - Simple Pass

Accounts - Simple Pass

Successfully completed GCE Ordinary Level (Sri Lanka) examinations in year 1991– Trinity College, Kandy

English - Credit Pass

Mathematics - Credit Pass

Science - Credit Pass

Social Studies - Credit Pass

Sinhala - Credit Pass

Commerce - Credit Pass

Buddhism - Credit Pass

Special Training Programmes Compleated.

Introduction Traning Programme for Banking Assistant

Principles of International Trade

Risk in International Trade

Way to sucess – Self motivation workshop

ACADEMIC QUALIFICATIONS

PROFESSIONAL QUALIFICATIONS

EXPERIENCE

- 4 -

SKILLS – VOCATIONAL

Highly self-motivated, an energetic team player

Positive attitude towards peers and management and a can-do practical thinker. Result oriented

Strong communication skills, both in writing and speaking, honed while I was a bank teller.

Very service oriented, which is why I always try to help others when I can do so and stay within company policy.

Technical knowledge of mathematics, computer programs, and financial procedures better prepares me to analyze financial information.

Quick decision-maker able to consider pros and cons of a situation to make the best choice.

Active listener who understands the best way to help a customer is to know what he or she is looking for.

Use deductive and inductive reasoning to find the best solutions to complex problems. Name : CHAMINDA RANASINGHE

Age : 49

Date of Birth : 21.02.201975

Nationality : Sri Lankan

Gender : Male

Civil Status : Married

I confirm that the above information provided regarding my employment and work experience and skills are true and correct to the best of my knowledge.

PERSONAL DETAILS

SKILLS SUMMARY

Contact this candidate