Assistant Manager- Retail & SME Credit
Nations Trust Bank PLC
Total years of experience :17 years, 4 Months
I have been performing my duties as an Assistant Manager- Retail & SME credit since 2011. I was promoted to this department after having a successful stint as an Assistant Manager- Branch Operations where I successfully handled branch operations including audit, branch sales and marketing and training new staff.
Below is a summary of duties I perform as an Assistant Manager- Retail & SME Credit
•Analyze suitable customers for specific lending criteria as per the bank’s consumer credit policy on
Mortgage Loans, Trade financing, overdrafts and short term loans for working capital etc..
•Writing up of credit proposals and processing for approvals
•Monitor branch daily excess, over-line reports, and other reports such as excess over 45 days, 60 days and NPL reports circulated by Credit Risk Department.
•Cross sell lending products to branch customers with the focus of achieving branch lending targets.
•Prepare lending documents to be undertaken from the customer.
•Guide the customer through the legal process of a mortgage as per the bank guidelines
•Undertake and monitoring of safe lodgment of security documents
•Manage trade facilities of the branch
•Manage branch credit files.
Assistant Manager- Branch Operations (2009-2011)
Summary of Duties
• Supervise branch operations and processes.
• Ensure compliance of the policies of the bank and regulatory requirements.
• Timely reconciliation of branch GLs.
• Manage branch profitability
• Manage and coordinate branch audits.
• Nurture new staff with ample experience and opportunities.
• Contribute for branch targets through cross selling.
• Deliver high standards of customer service with a focus of branch mystery customer ratings.
• Handling branch matters in the absence of branch manager.
• Monitor then asset and liability bases of the branch.
• Provide adequate on the job training for staff members.
• Manager branch trade, business banking and credit documentation as per required.
• Actively support bank product promotions.
Organization: Lankem Ceylon PLC
Position: Management Trainee- Finance
Duration: 2007-2009
• Project Coordinator- Associated Farms Limited- Sigiriya
• Executive/ Team member- SunAgro Farms Limited- Asparagus Project- Lankem Ceylon PLC (Special Projects Division)
01. Masters in Business Administration (Distinction) awarded by the Cardiff Metropolitan University- UK- January 2013 Subjects Offered: Information Systems Marketing Management Financial Reporting Corporate Finance Strategic Management International Business Research Methodologies Managing Human Capital Dissertation
01. BSc. Accounting and Finance (Hons) awarded by the University of London - November 2007. Subjects Offered: Principles of Accounting Principles of Banking and Finance Corporate Finance Managerial Economics Financial Reporting Management Accounting Auditing Management Science Methods
02. Diploma in Economics (One year program -Conducted by London School of Economics and Political Science- LSE and the University Of London.) Subjects offered: Economics Mathematics Statistics Sociology Information Systems