Branch manager
Resume:
SUMITH GAMAGE
Banker / Credit Risk Professional
No. 234/3, Halabugahamula Waththa, Nakaththa, Gokarella,Sri Lanka
**************@*****.***
I am a result-oriented banking professional as a Manager with over 12 years of experience in the Sri Lankan banking sector with exposure to Credit Risk, Corporate Banking and SME/Retail Banking and overall Commercial Banking operations. I have a strong academic background and specialized knowledge in Banking & Finance and Credit Management. I am able to adapt to any work environment and have a proven track record of being able to deliver results under pressure.
Key Achievements
Up Graded two Branches under my leadership in 2019 & 2021.
Converted loss making Branches as profit making branches under my leadership.
Achieved national winner of 5s competition in best branch award in 2017.
A Winner of BOC inter province athletic meet.
Areas of Expertise
Credit Analysis & Credit Risk Management
Client Relationship Management
Portfolio Management & Development
Commercial Banking Operations
Leadership & Team Management
Anti-money Laundering & Customer Due Diligence measures
Strong communication and negotiation skills
Tech savvy – proficient in Microsoft Office applications.
Career Highlights
More than 10 years of experience in Relationship Management in Sri Lankan Banking Industry with in-depth knowledge about the market dynamics.
Proficient in all aspects of bank management and operation, including account management, customer service, deposit mobilization, loan book growth and cross-selling.
Thorough knowledge and expertise in the credit granting process in SME, Corporate and Retail segments.
Efficient team leader and player with excellent communication, interpersonal and problem-solving skills.
Ability of providing customized financial solutions to clients based on individual risk profile.
Expertise in identifying new business opportunities and converting leads into potential clients using effective marketing and negotiating skills.
Career Summary
Bank of Ceylon Bank, Sri Lanka
As Bankers to the Nation, Bank of Ceylon (BOC) reached out to all citizens of the country through its largest network of over 2000 touch points with over 645 branches connected online and BOC operates in 04 overseas locations, and provide Guide lines to par banks in Sri Lanka and provide services to Retail, SME and corporate segments.
Branch Manager (Various Branches) (2014 Aug up to date)
●Overall supervision of the branch, including loan book growth, deposit mobilization and routine branch operations.
●Structuring of credit facilities according to the clients’ requirement. Providing financial advisory when required.
●Achieve and maintain Key Performance Indicators (KPI) and meet financial targets and portfolio growth targets.
●Ensure adherence to internal controls and regulatory requirements.
●Manage the human resources and ensure maximum output maintaining the efficiency standards.
●Train, motivate and appraise performance of branch staff. Development of teamwork across the branch.
●Monitoring loan recoveries and controlling impairment cost of the lending portfolio.
Assistant Manager – SME & Retail Credit (June 2011 – January 2014)
●Maintaining customer relationships and SME portfolio management.
●Maintain the quality of the portfolio by regular follow-up of past dues.
●Collection and analysis of market information and industry data for effective decision making.
●Analyzing and evaluating financial statements and identifying financial solutions based on the clients’ requirements.
●Preparing Credit Proposals as per Bank’s Credit Policy.
●Undertaking customer visits/inspections.
●Periodic reviewing & monitoring of the portfolio.
●Completion of security documentation within stipulated timelines and lodgment of documentation with Credit Administration / Disbursement Department.
●Supervise the Pawning operations of the Branch.
●Overlook branch cash operations.
Academic & Professional Qualifications
●Master of Business Administration, (Reading), Rajarata University of Sri Lanka, (Graduation expected in 2023).
●Bachelor of Art (Special in Economics), Rajarata University of Sri Lanka (2009).
●Diploma in Banking and Finance, Institute of Bankers of Sri Lanka (2017).
●Diploma in HRM, Vocational Training Center of Sri Lanka (2007).
●Diploma in English, Rajarata University of Sri Lanka (2009).
●Marketing for Branch Managers, National institute of Bank Management, pune, India (2019)
●Associateship, Institute of Bankers of Sri Lanka (2021).
●Advanced Credit Management Programme, Central training institute Bank of Ceylon (2016).
●Basic Landing Operations, Central training institute Bank of Ceylon (2012).
Personal Details
●Date of Birth / Age : 08th June 1985
●Languages Known : English (Fluent) & Sinhalese (Native)
●Nationality : Sri Lankan
●Present Residency : Sri Lanka
●Marital Status : Married – Four dependents
●References : Available upon request
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