NILUSHA DISSANAYAKE

• Evaluated credit appraisals for Personal Loans, new Credit Card issuances, Credit Card limit enhancements and recommended same for the approving authorities as per the DA upon ensuring that credit proposals are complied with the Banks credit policies and risk, taking into consideration the market risks, economic conditions and the clients financial/ business assessment and DSCR.
• Ensured completion of customer due diligence for new to bank customers of listed and non listed companies as per policy and regulation for credit card issuance.
• Checked credit reports of customers with Credit Information Bureau of Sri Lanka (CRIB) in order to analyze credibility and repayment of the customer.
• Followed procedures for PEP loans and credit cards, conducted High-Risk screening processes and drafted memos for senior management approval.
• Prepared and submitted monthly charges reports to Accounts Department on Credit Card limit enhancements and other fees applicable as per the tariff.
• Generated periodic reports and took follow-up action.
• Prepared forms for collateral releases of cash-backed Credit Cards, submitted for the approving authorities, granted approvals to branches and monitored reassignment of same by branches in order for system updating.
• Obtained necessary approvals for the temporary limit enhancements authorized by the Call Centre, checked same and reported to the Management regarding violation of DA limits.
• Liaised with Call Centre and branches to ensure processes are followed accurately.
• Initiated new ideas, solutions with regards to process improvements, new system developments, user testing & successful implementation of same. Contributed to the Bank by way of acquiring new to Bank business meeting annual targets.

• Performed customer interviews, opened new accounts (Current/Savings/ Corporate/NGO/Clubs & Societies), timely updated KYC in customer profiles and effective work processing and risk management.
• Authorized outward remittances (T/T, Western Union and Other Transfers) and inward remittances (Western Union, Fast Cash, and Other Transfers), inward and outward SLIPS transfers, liaised with customers with regard to the necessary documentation, fees and exchange rates.
• Handled reconciliation of month-end suspense accounts (General Ledger A/Cs), balancing of MCQs, gifts of minor accounts and other relevant savins accounts.
• Issued Visa Electron Debit Cards, e-Banking Products such as SMS Banking, Telephone Banking and Internet Banking.
• Handled cheque clearing (Inward/Outward), Standing Orders, Issuing Demand Drafts and Managers Cheques.
• Prepared and maintained product information, cross-selling products based on assessment of customer income and savings capacity and updated various databases for insurance product sources of the Bank.
• Monitored overall branch operational matters with adherence to KYC requirements.

• Organized and conducted meetings / conferences with the Directors, Senior Management, clients etc. and handled Minutes of Meetings.
• Implemented administrative procedures with other departments overseeing smooth functioning of same.
• Dealt with disciplinary, grievances and appeals independently.
• Managed consultations, negotiation and the relationship between the management and unions.
• Handled telephone calls and correspondence with the Central Bank, officials of other banks, other relevant authorities, senior management and clients.
• Organized and distributed memos, notes, messages and other written communications while maintaining a filing / record system of important documents.
• Liaised between different units of the Bank regarding approvals on various administrative matters.
• Carried out duties with complete discretion and high regard for confidentiality.

Arranging meetings and appointments of Chairman and the Board of Directors.
Coordinating and implementing office procedures.
Liaising with staff in other departments and with external contacts.
Using a variety of software packages, such as Microsoft Word, Outlook, PowerPoint, Excel, etc., to produce correspondence and documents and maintain presentations, records, spreadsheets and databases.
Attending meetings, taking minutes and keeping notes
Sorting and distributing incoming post and organising and sending outgoing post.

I have switched over to banking stream and currently handling the following:
Accounts opening.
Cash handling.
Processing different products of the bank.
Handling cheque clearing.
Balancing month-end statements.
Providing proper assistance to clients, in person and by the telephone
Answering a number of more complex requirement from the clients and in charge of solving these problems.
Handing other related work in the Operations department.
Handling promotional campaigns.

• Maintained diaries and arranged appointments with Heads of Dept. and employees and managed staff databases and prioritized workloads with efficiency.
• Resolved overall quarries of branch and head office employees.
• Provided guidance and support to managers and employees on employee relations issues.
• Conducted employee relations training programmes and assisted in implementation of HR policies.
• Managed employee discipline and performance improvement process.
• Maintained employee leave system, liaising with IT Department for technical support.
• Handled employee resignation procedure, Audit clearances, job handover procedure, settlement of outstanding credit facilities and other exit related formalities.
• Planned and organed events of the Bank in collaboration with the Skills Development Centre and Marketing Department.

• Monitored records of meetings and appointments
• Handled Employees Provident Fund and Employees Trust Fund matters with the relevant Boards
• Handled customer correspondence and customer relations

• Handled Minutes of Meeting, correspondence and telephone calls
• Arranged appointments with other officials and employees
• Worked in a receptionist capacity to greet clients, employees and visitors
• Drafted routine letters to a high standard and undertook responsibilities as appropriate