Pubuda Vitana
Banking Officer
Sri Lanka, Kalutara, Western Province ,32 ,Al Wusta Governate
Summary
Experienced Banking Officer with over 18 years of experience in Banking . Excellent reputation for resolving problems and improving customer satisfaction.
Dedicated Banking / Financial professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
18
18
years of professional experience
Work History
Credit Officer
Seylan Bank PLC
Branch Baduraliya
08.2019 - Current
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Checked appraisals, title information and insurance documents for each property.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Adhered to banking standards and government lending guidelines for loan services.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
- Updated client accounts with new information and verified data for informed credit approvals.
- Motivated and encouraged staff to enhance productivity and meet demanding internal and customer targets.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Managed account data and verified information with clients, past creditors and other involved parties.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
- Monitored accounts for signs of fraud and non-payment issues.
- Used Software and Software to perform credit appraisals, document verification and loan approvals.
- Organized and finalized loan applications for underwriter review.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
Credit Analyst
Seylan Bank PLC
Branch Matugama , Western
08.2014 - 06.2019
- Assessed credit risk and analyzed financial statements.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Complied with internal controls and government regulations.
- Performed credit reviews on corporations to assess financial conditions.
- Gathered loan documentation for underwriting.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Minimized accounts receivable collections and reconciled customer billings and statements.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Contacted customers and requested financial documentation.
- Placed customer accounts on hold due to past due payments.
- Improved understanding of financial statements, which helped in assessing risk.
- Made decisions and recommendations about extending lines of credit.
- Identified issues, analyzed information and provided solutions to problems.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Used coordination and planning skills to achieve results according to schedule.
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
- Participated in team-building activities to enhance working relationships.
Customer Service Executive
Seylan Bank PLC
Branch Panadura , Colombo , Western
05.2004 - 08.2014
- Employed comprehensive benchmarks to establish and monitor customer service standards.
- Described product and service details to customers to provide information on benefits and advantages.
- Informed customers of upcoming promotions and deals to boost sales.
- Delivered exceptional training and hands-on motivation to team members to enhance customer satisfaction.
- Provided company information and policies to customers upon inquiry and answered questions via phone, email or online chat.
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Provided primary customer support to internal and external customers.
- Used company troubleshooting resolution tree to evaluate technical problems and find appropriate solutions.
- Updated account information to maintain customer records.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Responded to customer requests for products, services and company information.
- Recommended products to customers, thoroughly explaining details.
- Answered customer telephone calls promptly to avoid on-hold wait times.
- Collected and analyzed customer information to prepare product or service reports.
- Recorded account information to open new customer accounts.
- Clarified customer issues and determined root cause of problems to resolve product or service complaints.
- Answered product and service questions, suggesting other offerings to attract potential customers.
Education
Diploma In Credit Management - Evaluate Credit Appraisal
Institute of Bankers Srilanka
Colombo Certificate In Branch Banking. - Branch Banking , Core Banking System
Institute of Bankers Srilanka
Colombo General Certificate Of Ordinary Level - Science,Mathematics, English, Art
C W W Kannangara College
Srilanka General Certificate Of Advance Level - Physics, Chemistry, Zoology, Biology
C W W Kannangara College
Srilanka Skills
Loan recommendations
Documentation preparation
Credit validations
Financial statement review
Customer Relations
Collateral risk
Account management
Business credit coordination
Appraisal review
Performance monitoring
Credit reports
Application verification
Policy application
Risk mitigation
Investigations
Authorizations understanding
Sales proficiency
Risk Assessment
Expertise in MS Office,Excell,Power Point,Outlook
Proficient in English
Timeline
Credit Officer
Seylan Bank PLC
08.2019 - Current
Credit Analyst
Seylan Bank PLC
08.2014 - 06.2019
Customer Service Executive
Seylan Bank PLC
05.2004 - 08.2014
Diploma In Credit Management - Evaluate Credit Appraisal
Institute of Bankers Srilanka
Certificate In Branch Banking. - Branch Banking , Core Banking System
Institute of Bankers Srilanka
General Certificate Of Ordinary Level - Science,Mathematics, English, Art
C W W Kannangara College
General Certificate Of Advance Level - Physics, Chemistry, Zoology, Biology
C W W Kannangara College