Accomplished Executive Officer at Commercial Bank of Ceylon PLC, adapt in risk management and fostering business alliances. Proven track record in driving revenue growth and market expansion through strategic leadership and effective negotiation. Excelled in relationship management, ensuring operational excellence and compliance.
Hi, I’m
Isanka Sandaruwan
Banker
No.39B, 1st Lane,New City 2, Batakettara, Piliyandala
Summary
Overview
17
years of professional experience
Work History
Commercial Bank of Ceylon PLCColombo
Executive Officer - Credit & Recoveries
11.2018 - Current
Job overview
- Evaluating of personal borrowers for retail credit facilities such as personal loans, housing loans, Leasing & credit cards.
- Evaluation of business customers for SME facilities, import line facilities and bank guarantees.
- Conducted in depth financial analysis of customer credit risk and recommended appropriate credit limits.
- Monitored customer accounts for potential credit risks and identified warning signals of potential delinquency.
- Developed and implemented credit policies, procedures & best practices to ensure consistent review of customer credit.
- Carried out customer interviews, property inspections, business inspections, project site visits and advised Branch Manager of the progress of borrower's performances for future lending decisions.
- Analized financial information submitted by customers including income statements, balance sheets, cash flow projections to properly design suitable credit packages for their finance requirements.
- Effective collections and timely recovery of Loans & advances to curtail the non performing portfolio while expediting the recoveries through litigation and parate execution in liase with appropriate functional departments/units whenever deemed necessary.
Commercial Bank of Ceylon PLCColombo
Executive Officer - Cash Operations
08.2016 - 10.2018
Job overview
- Ensured day to day branch cash activities in maintenance of cash and timely replenishment/reconciliation of ATM's/CRM's in an effective manner.
- Maintained customer satisfaction by ensuring service excellence in cash area while supervising and guiding of five cash tellers with minimum of customer complaints.
- Predicted cash requirements and forecasted cash position through analysis of cash movement patterns and developed strategies to optimize the cash position of the branch in cost effective way.
Commercial Bank of Ceylon PLCColombo
Executive Assistant -Credit
02.2012 - 07.2016
Job overview
- Strong organizational and analytical skills, able to manage multiple tasks, effective communication and conversant with applications used in branch credit.
- Handling of retail facilities, SME, Corporates and evaluating of respective borrower segments for credit facilities or import line facilities whenever necessary.
- Assist in developing sound and acceptable lending portfolio at the branch level while minimizing the inflow of facilities to NPA.
Commercial Bank of Ceylon PLCColombo
Executive Assistant - Operations
05.2009 - 01.2012
Job overview
- Developed an in depth knowledge of the banking industry and financial products with a particular focus on savings and investments.
- Emerged strong understanding of banking regulations and industry best practices including CBSL anti money laundering directions.
- Specializes in the areas of clearing, import telegraphic transfers, FX & treasury products, AML/KYC/CDD requirements.
Commercial Bank of Ceylon PLCColombo
Banking Trainee
04.2007 - 04.2009
Job overview
- Streamlined account opening processes for faster turnaround times, leading to increased client acquisition.
- Balanced cash drawers daily, ensuring accuracy of all transactions processed throughout the day.
- Developed strong relationships with clients, resulting in increased trust and business referrals.
- Utilized effective communication skills to explain complex financial products to customers, increasing product sales.
Education
Institute of Bankers of Sri LankaColombo
Diploma In Applied Banking & Finance
University Overview
Institute of Bankers of Sri LankaColombo
Certificate In Foreign Exchange
05.2024
University Overview
Passed with a distinction grade.
University of Glocestershire UK
Master Of Business Administration
05.2023
University Overview
Institute of Bankers of Sri LankaColombo
Certificate In Banking & Finance
2014
University Overview
Ananda CollegeColombo 10
G.C.E. Advanced Level Examination from Bio Science
2006
University Overview
Biology - C
Physics - C
Chemistry - C
Skills
Market strategies
Timeline
Executive Officer - Credit & Recoveries
Commercial Bank of Ceylon PLC
11.2018 - Current
Executive Officer - Cash Operations
Commercial Bank of Ceylon PLC
08.2016 - 10.2018
Executive Assistant -Credit
Commercial Bank of Ceylon PLC
02.2012 - 07.2016
Executive Assistant - Operations
Commercial Bank of Ceylon PLC
05.2009 - 01.2012
Banking Trainee
Commercial Bank of Ceylon PLC
04.2007 - 04.2009
Institute of Bankers of Sri Lanka
Diploma In Applied Banking & Finance
Institute of Bankers of Sri Lanka
Certificate In Foreign Exchange
University of Glocestershire
Master Of Business Administration
Institute of Bankers of Sri Lanka
Certificate In Banking & Finance
Ananda College
G.C.E. Advanced Level Examination from Bio Science
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